邮储银行 vs 民生银行
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
邮储银行
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本产品是中国邮政储蓄银行为iPhone用户打造的手机银行。客户通过手机银行可办理账户查询及管理、转账汇款、贷款、信用卡、投资理财、缴费、支付等业务，保证客户足不出户即可享受7*24小时的金融服务。 客户服务热线:95580 信用卡客户服务热线:40088-95580
民生银行
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中国民生银行手机银行10.0登场！五大升级，全新体验，数智焕新，十分美好！ 1、览全局，驭财更轻松。支持资产负债便捷查看、多视角切换及各类资金明细展示，让资金变动清晰可见！ 2、享便捷，体验更随心。信用卡频道全新上线，涵盖查账、还款、分期等全方位服务，同步解锁专属权益！ 3、纳万象，服务掌中藏。提供收藏功能，支持财富产品、活动等分类收藏管理，打造专属服务清单！ 4、探二楼，资讯更全面。手机银行“二楼”提供多元资讯，解读市场趋势，满足不同用户信息需求！ 5、强防护，账户更安全。优化智能安全工具，全方位守护您的账户及交易安全！
Screenshots
Verdict
The clearest difference is rating: 邮储银行 at 4.6 against 民生银行's 2.5. 邮储银行 also leads on ratings volume (2K vs 95). On price, review sentiment, update cadence and ads 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
邮储银行 holds the better App Store score, 4.6 against 2.5. That said, the two scores are not equally well evidenced: 邮储银行 has 2K ratings behind it against 95, so its average is the more settled of the two. Written reviews point the same way: 70% of 邮储银行's written reviews are positive against 67% of 民生银行's.
邮储银行 ships an update monthly, 民生银行 every 5 weeks. Both last shipped on September 22, 2026.
| Parameter | 邮储银行 | 民生银行 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (2K ratings) — better | 2.5 (95 ratings) |
| Positive reviews | 69.8% of reviews — better | 67.4% of reviews |
| Number of ratings | 2K — better | 95 |
| Update frequency | Monthly — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPod, Apple Watch — better |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 312 MB | 308 MB |
| Age rating | 4+ | 4+ |
| Developer | 中国邮政储蓄银行 | 中国民生银行股份有限公司 |
Customer experience
邮储银行
民生银行
User reviews
邮储银行
From 2K App Store ratingsWhat we love
- 🚀 Fast and convenient
- 👍 Easy to use
- 👍 Friendly and helpful customer service
Room to improve
- 🐛 Frequent crashes and login issues
- 🔒 Security concerns with biometric identification
- 🔋 High battery consumption
民生银行
From 95 App Store ratingsWhat we love
- 👍 Convenient mobile banking
- 👍 Comprehensive financial services
- 👍 User-friendly interface
- 👍 Efficient fund transfers
- 👍 Good for wealth management
Room to improve
- 👎 Forces VPN closure
- 👎 App crashes with VPN
- 👎 Detects VPN and exits
- 👎 Unusable with proxy
- 👎 Face ID issues
Bugs and requests
邮储银行
Reported bugs
3 issues- Repeated failed attempts at facial recognition
- Inability to update personal information
- Inconsistent app performance across devices
Requested features
3 requests- Improved biometric identification process
- Simplified login and account management
- Expanded functionality beyond just banking
民生银行
Reported bugs
13 issues- App crashes when VPN is detected
- App exits when VPN is detected
- App does not work with proxy
- Face ID login is unstable and cannot be enabled
- Face ID login is frozen
Show 8 moreShow fewer
- Splash ad skip button lags
- App crashes after update due to network errors
- Cannot log in from abroad
- Cannot download the app
- Network instability errors prevent login
- App is not usable with iOS 6
- Cannot set up profile picture correctly
- App crashes when switching to 'Me' page
Requested features
11 requests- Allow VPN usage
- Fix Face ID/Face Recognition login
- Allow online modification of reserved mobile number
- Improve UI/UX for asset display
- Restore cross-bank transfer functionality
Show 6 moreShow fewer
- Implement credit card spending limit settings
- Fix app download issues
- Improve network stability
- Ensure compatibility with newer iOS versions
- Increase daily transfer limits
- Allow online banking for new cards
In-app purchases
邮储银行
No in-app purchases
民生银行
No in-app purchases
