# 中国农业银行 vs HTSmartPay

The clearest difference is ratings volume: 中国农业银行 at 11K 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.

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 11K 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 October 27, 2026 and October 21, 2026 respectively.

## The numbers

| Metric | 中国农业银行 | HTSmartPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (11K ratings)](https://appshunter.io/ios/app/id515651240/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/htsmartpay/id6444838592/reviews)** |
| Number of ratings | **11K** | 5 |
| Positive reviews | 17.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | — | Free |
| Size | 268 MB | 47 MB |
| Requires iOS | 13.0 | **12.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [中国农业银行](https://appshunter.io/developer/515651243) | [HT SMARTPAY COMPANY LIMITED](https://appshunter.io/developer/1657211352) |

## What reviewers say

### 中国农业银行

[App page](https://appshunter.io/ios/app/id515651240)

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!

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

**In-app purchases:** none

**What reviewers like**

- ⭐ Convenient features
- 🚀 Fast and efficient
- 👍 User-friendly interface
- 💰 Helpful for financial management

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🔒 Privacy and security concerns
- 🔄 Forced updates and lack of choice
- 🤖 Poor customer service
- 📦 Bloated and resource-intensive

**Reported bugs**

- Inability to log in or access account
- Repeated crashes on launch
- Incorrect account balance display
- Compatibility issues with newer devices

**Requested features**

- Support for English language
- Improved biometric login options
- Streamlined update process
- Better integration with other banking services


### HTSmartPay

[App page](https://appshunter.io/ios/app/htsmartpay/id6444838592)

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.

**Highlights:** Phone bill top-up, Offline store payments, Electricity bill payment, Essential utility services, Future feature updates

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is 中国农业银行 free?

中国农业银行 is free to download, with no in-app purchases.

### Is HTSmartPay free?

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

### Which has better reviews, 中国农业银行 or HTSmartPay?

HTSmartPay is rated higher. 中国农业银行 averages 4.7 out of 5 from 11K ratings, while HTSmartPay averages 5.0 from 5 ratings.

### Do 中国农业银行 or HTSmartPay have ads?

Neither 中国农业银行 nor HTSmartPay shows ads.

### Which is updated more often, 中国农业银行 or HTSmartPay?

中国农业银行 ships an update every 2 months, and HTSmartPay every 2 weeks. Most recently, 中国农业银行 was updated on October 27, 2026 and HTSmartPay on October 21, 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.*