Comparison

财智快账 vs ZA Bank

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

Head to head
About

财智快账

Features
Read full description

财智快账,由财智软件出品,逾10年个人理财行业经验。 财智软件,国内理财软件市场的领航员,上千万理财用户的首选。 财智软件,多年来为国内数百家银行与金融机构提供优秀的理财软件产品与服务。服务过的银行及其他金融机构包括:中国银行、工商银行、建设银行、农业银行、招商银行、民生银行、交通银行、光大银行、浦发银行、兴业银行、中信银行、中国平安、工银瑞信等。 产品特点: 1, 永久免费,财智专业品牌保障。 2, 数据同步,财智快账与财智7(财智软件电脑客户端)、财智在线理财(网页端)三方数据完美同步。 3, 简单易用,保证新手快速入门。 4, 界面精致,图文并茂,生动有趣,使记账变得不再枯燥乏味。 财智公司官方网站: http://www.moneywise.com.cn

About

ZA Bank

This regulated digital bank offers a comprehensive suite of financial services, including deposits, loans, foreign exchange, and investment options, all within a single mobile application. Experience fast account opening and a customizable debit card with enhanced security features.

Highlights
  • Deposits and loans
  • Foreign currency exchange
  • Local and overseas transfers
  • Insurance and stocks
  • Customizable debit card
  • Fast account opening
Features
Read full description

ZA Bank is a regulated and licensed Hong Kong bank and the first digital bank to launch in Hong Kong. It offers services and features like deposits, ZA Card, loans, foreign currency exchange, local and overseas transfers, insurance and more in one app. In addition, ZA Bank also offers an award-winning Business Internet Banking platform! Experience the difference: ZA Card – The first Visa debit card with your own number in Hong Kong Get the first Visa debit card with a customisable card number in Hong Kong! You can even apply for a physical card! To protect you from the risk of theft, the physical ZA Card does not have a CVV or expiration date. Open a ZA Bank account in as fast as 2 minutes**, even if you’re on holiday! Enjoy 24 x 7, full-featured digital banking services. Visit bank.za.group to learn more about our products and services. *The time required to open an account depends on the actual circumstances. In general, users can open an account in as fast as 2 minutes, without submitting any additional information. This banking mobile application (“App”) is provided by ZA Bank Limited (“We”, “us” or “our”) for use only by our existing customers or persons holding a valid identity document and having a valid residential address (“Customers”). Please do not use this App if you do not have a valid identity document and a residential address or (if outside Hong Kong) you are not our existing customers. This App and the information provided through it is not intended for use by any person in any jurisdiction where such use would not be permitted by law or regulation. Any person who is not a Customer who uses the App, releases us from any liability, claims, damages, losses or costs arising from any non-compliance with the applicable procedures and instructions herein. We are not authorised or licensed in any other jurisdiction for the provision of the products and/or services available through this App, nor do we represent or warrant that contents on this App are appropriate or available for use outside Hong Kong. Please ensure you comply with local laws and regulations applicable to you before using this App or our services. This App should not be considered as communicating any invitation or inducement to engage in banking or lending, or any offer or solicitation to provide products or services to any person where the local law or regulation does not permit such activity or the use of such products or services. By applying for any products and/or services through this App, you declare and confirm that you comply with local laws and regulations applicable to you for using this app or our services.

Screenshots

财智快账4 screens
ZA Bank4 screens

Verdict

The call

The clearest difference is update cadence: ZA Bank at every 2 weeks against 财智快账's every 4 months. ZA Bank also leads on review sentiment (67% vs 40%) and ratings volume (3.8K vs 2). On price, ads, in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

ZA Bank holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: ZA Bank has 3.8K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 40% of 财智快账's written reviews are positive against 67% of ZA Bank's.

UpkeepUpdate frequency

财智快账 ships an update every 4 months, ZA Bank every 2 weeks. The most recent releases landed on November 1, 2026 and November 7, 2026 respectively.

Scorecard4 real differences · 6 level
财智快账 versus ZA Bank: the parameters behind the verdict, then further details
Parameter财智快账ZA Bank
PriceFreeFree
Rating4.5 (2 ratings)4.8 (3.8K ratings) — better
Positive reviews40.0% of reviews66.7% of reviews — better
Number of ratings23.8K — better
Update frequencyEvery 4 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.0 — better15.0
Further details — not scored
Size10 MB258 MB
Age rating4+4+
Developer成都财智软件有限公司ZA Bank Limited

Customer experience

财智快账

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews5 reviews
Positive40.0%
Neutral20.0%
Negative40.0%

ZA Bank

All ratings3,761 ratings
Positive96.4%
Neutral1.8%
Negative1.8%
Written reviews186 reviews
Positive66.7%
Neutral8.1%
Negative25.3%

Bugs and requests

财智快账

Not enough reviews yet to summarise bugs or requests.

ZA Bank

Reported bugs

3 issues
  • App crashes during HKID scanning
  • Login issues and account lockouts
  • Compatibility problems with certain devices

Requested features

4 requests
  • Improve facial recognition accuracy
  • Simplify and streamline the user interface
  • Enhance customer support and communication
  • Expand availability to more regions

In-app purchases

None

财智快账

No in-app purchases

None

ZA Bank

No in-app purchases

Questions

Is 财智快账 free?
财智快账 is free to download, with no in-app purchases.
Is ZA Bank free?
ZA Bank is free to download, with no in-app purchases.
Which has better reviews, 财智快账 or ZA Bank?
ZA Bank is rated higher. 财智快账 averages 4.5 out of 5 from 2 ratings, while ZA Bank averages 4.8 from 3.8K ratings.
Do 财智快账 or ZA Bank have ads?
Neither 财智快账 nor ZA Bank shows ads.
Which is updated more often, 财智快账 or ZA Bank?
财智快账 ships an update every 4 months, and ZA Bank every 2 weeks. Most recently, 财智快账 was updated on November 1, 2026 and ZA Bank on November 7, 2026.

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