Comparison

中国工商银行 vs 多多记账

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

中国工商银行

Features
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工行手机银行智享+1.0 从心出发 共绘未来 一、智慧服务 加倍随心 工小智:更懂您的金融管家,对话式业务模式、产品获取、问题咨询,让智慧服务如影随形。 简版:业面化繁为简,功能易用如初。 二、财富成长 加倍贴心 财富管理:理财收益全景展现,投资决策更从容;优选产品科学配置,投资轻松驾驭。 天天盈:扩容超过百支,使用场景更丰富,财富管理更加方便。 公益理财:捐赠全部超额收益,获取捐赠证书票据,让爱双向奔赴。 节气存单:每个节气,存一笔心意,陪伴你度过一年四季。 三、惠民消费 加倍省心 智享惠民消费新主张:从消费到融资,省钱省心一站解决。 消费贷款财政贴息更实惠,助商组合贷经营无忧,分期支付无缝衔接,借、查、还、管全流程体验升级。 四、缤纷权益 加倍欢心 智享权益生态新福利:玩转积分兑权益,福利天天有惊喜。 工银i豆查积分、赚奖励、兑好礼,一站式权益中心,零门槛精彩福利。 五、安全守护 加倍放心 智享风险防控新保障:三重盾牌防范风险,资金守护牢固如山。 生物识别与硬件加密双保障,国家网络身份认证+数字证书升级+NFC芯片级防护。

About

多多记账

Create personalized financial tracking tools with customizable saving and budgeting templates. Track daily expenses, monthly income, and savings goals with helpful reminders and cloud synchronization.

Highlights
  • Customizable saving and budgeting templates
  • Daily expense and income tracking
  • Monthly financial summaries
  • Exportable tables (image and Excel)
  • Daily and periodic reminders
  • iCloud synchronization
Features
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多多记账是一款集日常记账、存钱打卡和资产管理于一体的记账工具。自由搭配首页卡片,让每天的收支、存钱进度和账户余额一目了然。 自由布局,打造自己的记账首页 ● 自由组合卡片,长按拖动调整位置 ● 展示今日收支、月度统计、支出日历和最近流水 ● 自定义封面图片与配色,让记账更有自己的风格 日常记账,收支清清楚楚 ● 记录金额、分类、账户、日期与备注 ● 提供记账本、每日账单和月度收支表 ● 通过趋势与分类统计,了解钱花在哪里 ● 支持将记账本流水导出为 Excel 存钱打卡,让积累看得见 ● 提供 365 天、52 周和 36 单等存钱表格 ● 设置目标,记录每次存入的金额 ● 通过进度格子、打卡日历和记录回顾存钱成果 ● 整理存单本金、预计利息与到期时间 资产与提醒,管理更省心 ● 集中查看各账户余额与资产总额 ● 记录返现、红包等零散收益 ● 设置记账与存钱提醒,养成持续记录的习惯 数据存储,自由选择 ● 支持 iCloud,无需登录 App 账号即可使用 ● 登录后可使用账号云端存储 ● 支持两种存储方式之间复制数据 ● 提供同步状态提示与回收站恢复 立即下载多多记账,记清每一笔收支,慢慢攒下自己的小目标。 会员与自动续订服务: ● 年度会员:按年订阅,自动续订 ● 永久会员:一次购买,永久有效 会员可解锁不限数量的表格、自定义封面、提醒音效及全部主题配色,实际价格与权益以 App 内及 App Store 展示为准。 确认购买后,费用将由您的 Apple 账户收取。年度会员将在当前订阅周期结束前 24 小时内自动扣费续订。如需取消,请至少提前 24 小时前往“设置 > Apple 账户 > 订阅”管理。永久会员不会自动续费。 隐私政策 https://www.novailyth.com/supports/privacy 使用协议 https://www.novailyth.com/supports/use 欢迎通过 App 内“问题反馈”联系我们。 邮箱:yybblaze860@163.com QQ群:1084826168 小红书:echonzz92

Screenshots

中国工商银行4 screens
多多记账4 screens

Verdict

The call

The clearest difference is in-app purchases: 中国工商银行 at none against 多多记账's 3. 中国工商银行 also leads on iOS requirement (13.0 vs 16.0). 多多记账's advantage is review sentiment (67% vs 33%) and update cadence (every 6 days vs every 4 weeks). On price, ads and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. 多多记账 sells 3 in-app purchases, starting at $0.99 per month. 中国工商银行 asks for nothing beyond the download.

UpkeepUpdate frequency

中国工商银行 ships an update every 4 weeks, 多多记账 every 6 days. The most recent releases landed on November 1, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 6 level
中国工商银行 versus 多多记账: the parameters behind the verdict, then further details
Parameter中国工商银行多多记账
PriceFreeFree
Rating4.7 (32K ratings) — better—
Positive reviews32.9% of reviews66.7% of reviews — better
Number of ratings32K — better—
Update frequencyEvery 4 weeksEvery 6 days — better
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Freemium
DevicesiPhone, iPod, Vision Pro — betteriPhone, iPad
Requires iOS13.0 — better16.0
Further details — not scored
Size406 MB62 MB
Age rating17+4+
DeveloperIndustrial and Commercial Bank of ChinaHangzhou Qianyu Technology Co., Ltd.

Customer experience

中国工商银行

All ratings31,496 ratings
Positive94.1%
Neutral1.1%
Negative4.8%
Written reviews374 reviews
Positive32.9%
Neutral5.3%
Negative61.8%

多多记账

Written reviews15 reviews
Positive66.7%
Neutral13.3%
Negative20.0%

Bugs and requests

中国工商银行

Reported bugs

4 issues
  • Login issues and account freezes
  • Incompatibility with newer devices
  • Incorrect or missing transaction data
  • Unreliable network connectivity

Requested features

5 requests
  • Add English language support
  • Improve UI and user experience
  • Allow more customization options
  • Streamline transaction and transfer flows
  • Enhance security without compromising usability

多多记账

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

中国工商银行

No in-app purchases

3 purchases

多多记账

Subscriptions2
  • 月度会员$0.991 Month
  • 年度会员$3.991 Year
One-time1
  • 永久会员$4.99

Questions

Is 中国工商银行 free?
中国工商银行 is free to download, with no in-app purchases.
Is 多多记账 free?
多多记账 is free to download, with in-app purchases available.
Do 中国工商银行 or 多多记账 have ads?
Neither 中国工商银行 nor 多多记账 shows ads.
Which is updated more often, 中国工商银行 or 多多记账?
中国工商银行 ships an update every 4 weeks, and 多多记账 every 6 days. Most recently, 中国工商银行 was updated on November 1, 2026 and 多多记账 on October 24, 2026.

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