Comparison

中国农业银行 vs 京东金融

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

Head to head
About

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!

Features
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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。

About

京东金融

This app offers a comprehensive suite of personal financial services, including wealth management, insurance options, and borrowing solutions. Users can also access lifestyle benefits and discounts.

Highlights
  • Wealth management (funds, gold)
  • Insurance (medical, accident, life)
  • Borrowing services (loans, credit)
  • Lifestyle services and coupons
  • Food delivery discounts
Features
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京东金融以智能化、内容化为核心能力,与银行、保险公司、基金公司等金融机构,共同为用户提供专业、安全的个人金融服务。 在这里你可以: 1、 理财:一站式投资黄金,支持从购买、盯盘到回收全链路黄金投资。基金申赎便捷、更便宜,京东Plus会员免申购费,支持50万快速赎回。 2、 借贷:购物用京东白条,先消费后付款,分期免息更轻松;急用钱找京东金条借款,大平台、额度高、利息低、免息长(年化利率区间3.5%-24%) 3、保险:医疗险、意外险、人寿险、重疾险、车险等,用心严选好保险,全方位守护家人 4、生活服务:每日来省钱频道领福利,使用积分兑换白条还款券、支付券、话费券、京东外卖券 【风险提示】 借款额度、分期期数及具体利率以实际审核为准,请根据需求合理借贷,理性消费,避免逾期 温馨提示:投资有风险,入资需谨慎,产品历史业绩情况仅供参考

Screenshots

中国农业银行4 screens
京东金融4 screens

Verdict

The call

The clearest difference is ads: 中国农业银行 at none against 京东金融's shown. 中国农业银行 also leads on rating (4.7 vs 4.4). 京东金融's advantage is update cadence (fortnightly vs every 2 months) and ratings volume (270K vs 11K). On price, review sentiment, in-app purchases and iOS requirement 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

中国农业银行 holds the better App Store score, 4.7 against 4.4. That said, the two scores are not equally well evidenced: 京东金融 has 270K ratings behind it against 11K, so its average is the more settled of the two. Written reviews split almost evenly too, at 17% and 17% positive.

UpkeepUpdate frequency

中国农业银行 ships an update every 2 months, 京东金融 fortnightly. Both last shipped on November 6, 2026.

Scorecard5 real differences · 5 level
中国农业银行 versus 京东金融: the parameters behind the verdict, then further details
Parameter中国农业银行京东金融
PriceFreeFree
Rating4.7 (11K ratings) — better4.4 (270K ratings)
Positive reviews17.2% of reviews17.2% of reviews
Number of ratings11K270K — better
Update frequencyEvery 2 monthsFortnightly — better
AdsNo — betterYes
In-app purchasesNoNo
Monetization—Free with in-app purchases
DevicesiPhone, iPodiPhone, iPad, iPod, Apple Watch — better
Requires iOS13.013.0
Further details — not scored
Size268 MB187 MB
Age rating4+17+
Developer中国农业银行Beijing Jingdong Financial Technology Holdings Co., Ltd.

Customer experience

中国农业银行

All ratings10,253 ratings
Positive92.4%
Neutral1.4%
Negative6.2%
Written reviews238 reviews
Positive17.2%
Neutral3.4%
Negative79.4%

京东金融

All ratings478 ratings
Positive45.0%
Neutral2.9%
Negative52.1%
Written reviews157 reviews
Positive17.2%
Neutral1.3%
Negative81.5%

User reviews

中国农业银行

From 11K App Store ratings

What we love

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

Room to improve

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

京东金融

From 270K App Store ratings

What we love

  • 👍 Straightforward and easy to use
  • 💰 Offers good financial products and services
  • 🚀 Efficient and fast transactions

Room to improve

  • 🤖 Excessive and intrusive notifications
  • 💸 High fees and interest rates
  • 🔒 Concerns about privacy and data security
  • 🐛 Buggy and unreliable app performance
  • 🤬 Aggressive and unethical business practices

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

京东金融

Reported bugs

3 issues
  • Frequent app crashes and freezes
  • Login and authentication issues
  • Inaccurate or missing account information

Requested features

3 requests
  • Improved transparency on fees and interest rates
  • Better customer support and responsiveness
  • More user-friendly interface and navigation

In-app purchases

None

中国农业银行

No in-app purchases

None

京东金融

No in-app purchases

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 京东金融 free?
京东金融 is free to download, with no in-app purchases.
Which has better reviews, 中国农业银行 or 京东金融?
中国农业银行 is rated higher. 中国农业银行 averages 4.7 out of 5 from 11K ratings, while 京东金融 averages 4.4 from 270K ratings.
Do 中国农业银行 or 京东金融 have ads?
京东金融 shows ads; 中国农业银行 does not.
Which is updated more often, 中国农业银行 or 京东金融?
中国农业银行 ships an update every 2 months, and 京东金融 fortnightly. Most recently, 中国农业银行 was updated on November 6, 2026 and 京东金融 on November 6, 2026.

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