中国农业银行 vs HTSmartPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
中国农业银行
This app provides a range of banking services tailored to different user needs, including rural-focused features, large text display for elderly users, accessibility options, budget tracking, search functionality with voice interaction, and advanced security measures using AI. Users can also participate in various activities like quizzes and shopping discounts. Discover a new way of banking tailored to your needs!
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农行掌上银行，您的线上智慧“新银行”！掌银新版本功能更强大，服务更贴心，让每个用户都拥有专属的“线上网点”。 乡村版充值专区、专属理财保险、特色涉农产品，贴近县域乡村用户的日常需求，惠民利民。 大字版提供超大字体“一大到底”，精选产品，功能简洁，无弹屏广告，为高龄人士提供清爽体验。 标准版主要功能新增支持提供语音播报等无障碍服务，为特殊客群提供贴心关怀。 全面收支展示分析，“钱从哪来，花在哪里”一目了然。设置预算提醒，超出预算小信封自动提醒。 搜索功能方便易用，支持语音交互。搜索覆盖范围更广、结果准确度更高、推荐内容更智能。 线上反欺诈利用大数据、人工智能等前沿技术有效识别线上高风险交易，保障客户资金安全。 做任务赢好礼、秒杀抢购、支付优惠，热门活动精彩来袭！小豆乐园每日答题抽奖，可兑换各类好物，新客更有三重礼，畅享优惠福利多。
HTSmartPay
This finance app offers convenient payment services for essential utilities like phone bills and electricity. It also supports payments at offline stores. More features are planned for future updates.
- Phone bill top-up
- Offline store payments
- Electricity bill payment
- Essential utility services
- Future feature updates
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汇通是一款便捷支付的应用，目前支持话费充值、线下门店支付、电费支付等民生服务。 更多功能将在后续版本陆续上线。
Screenshots
Verdict
The clearest difference is ratings volume: 中国农业银行 at 10K against HTSmartPay's 5. HTSmartPay's advantage is rating (5.0 vs 4.7) and update cadence (every 2 weeks vs every 2 months). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
HTSmartPay holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: 中国农业银行 has 10K ratings behind it against 5, so its average is the more settled of the two.
中国农业银行 ships an update every 2 months, HTSmartPay every 2 weeks. The most recent releases landed on September 26, 2026 and September 17, 2026 respectively.
| Parameter | 中国农业银行 | HTSmartPay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (10K ratings) | 5.0 (5 ratings) — better |
| Positive reviews | 17.5% of reviews | — |
| Number of ratings | 10K — better | 5 |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 268 MB | 47 MB |
| Age rating | 4+ | 17+ |
| Developer | 中国农业银行 | HT SMARTPAY COMPANY LIMITED |
Customer experience
中国农业银行
HTSmartPay
Bugs and requests
中国农业银行
Reported bugs
4 issues- Inability to log in or access account
- Repeated crashes on launch
- Incorrect account balance display
- Compatibility issues with newer devices
Requested features
4 requests- Support for English language
- Improved biometric login options
- Streamlined update process
- Better integration with other banking services
HTSmartPay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
中国农业银行
No in-app purchases
HTSmartPay
No in-app purchases
