# 南京银行 vs Cloudpense

The clearest difference is rating: 南京银行 at 4.5 against Cloudpense's 3.7. 南京银行 also leads on ratings volume (124 vs 3). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

南京银行 holds the better App Store score, 4.5 against 3.7. That said, the two scores are not equally well evidenced: 南京银行 has 124 ratings behind it against 3, so its average is the more settled of the two.

南京银行 ships an update monthly, Cloudpense fortnightly. The most recent releases landed on October 17, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | 南京银行 | Cloudpense |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (124 ratings)](https://appshunter.io/ios/app/id435060143/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/cloudpense/id963428715/reviews) |
| Number of ratings | **124** | 3 |
| Positive reviews | 48.8% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | — | Free |
| Size | 247 MB | 102 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [BANK OF NANJING CO.,LTD.](https://appshunter.io/developer/435060146) | [Shanghai Cloudpense Software and Technology Co.Ltd](https://appshunter.io/developer/963428714) |

## What reviewers say

### 南京银行

[App page](https://appshunter.io/ios/app/id435060143)

**Features:** Siri integration, Apple Wallet, Vision Pro support

**In-app purchases:** none


### Cloudpense

[App page](https://appshunter.io/ios/app/cloudpense/id963428715)

Manage expenses effortlessly with smart recommendations for travel bookings and one-click invoice recognition for simplified reimbursements. Track budgets, generate reports, and ensure compliance with intelligent OCR technology. Access your data securely across multiple platforms.

**Highlights:** Multi-platform access (mobile/PC), Smart travel booking recommendations, One-click invoice recognition, Automatic accounting integration, Budget linkage and monitoring, Multi-dimensional financial reports, Secure cloud data synchronization

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is 南京银行 free?

南京银行 is free to download, with no in-app purchases.

### Is Cloudpense free?

Cloudpense is free to download, with no in-app purchases.

### Which has better reviews, 南京银行 or Cloudpense?

南京银行 is rated higher. 南京银行 averages 4.5 out of 5 from 124 ratings, while Cloudpense averages 3.7 from 3 ratings.

### Do 南京银行 or Cloudpense have ads?

Neither 南京银行 nor Cloudpense shows ads.

### Which is updated more often, 南京银行 or Cloudpense?

南京银行 ships an update monthly, and Cloudpense fortnightly. Most recently, 南京银行 was updated on October 17, 2026 and Cloudpense on October 10, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*