# 民生银行 vs CF40

The clearest difference is in-app purchases: 民生银行 at none against CF40's 2. 民生银行 also leads on iOS requirement (13.0 vs 15.0). CF40's advantage is update cadence (fortnightly vs every 5 weeks). On price, ads and device support there is nothing between them.

Both are free to download. CF40 sells 2 one-off in-app purchases. 民生银行 asks for nothing beyond the download.

民生银行 ships an update every 5 weeks, CF40 fortnightly. The most recent releases landed on October 26, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | 民生银行 | CF40 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.5 (97 ratings)](https://appshunter.io/ios/app/id523091708/reviews)** | — |
| Number of ratings | **97** | — |
| Positive reviews | 67.4% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Fortnightly** |
| Size | 308 MB | 9 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | **iPhone, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [China Minsheng Banking Corp. Ltd.](https://appshunter.io/developer/523091951) | [北京四十人信息科技有限公司](https://appshunter.io/developer/1866865012) |

## What reviewers say

### 民生银行

[App page](https://appshunter.io/ios/app/id523091708)

**Features:** Siri integration, Apple Wallet, Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient mobile banking
- 👍 Comprehensive financial services
- 👍 User-friendly interface
- 👍 Efficient fund transfers
- 👍 Good for wealth management

**What reviewers complain about**

- 👎 Forces VPN closure
- 👎 App crashes with VPN
- 👎 Detects VPN and exits
- 👎 Unusable with proxy
- 👎 Face ID issues

**Reported bugs**

- 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

**Requested features**

- 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


### CF40

[App page](https://appshunter.io/ios/app/cf40/id6757427841)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| VIP Monthly Membership | $59.99 | one-time |
| VIP Annual Membership | $364.99 | one-time |


## Frequently asked questions

### Is 民生银行 free?

民生银行 is free to download, with no in-app purchases.

### Is CF40 free?

CF40 is free to download, with in-app purchases available.

### Do 民生银行 or CF40 have ads?

Neither 民生银行 nor CF40 shows ads.

### Which is updated more often, 民生银行 or CF40?

民生银行 ships an update every 5 weeks, and CF40 fortnightly. Most recently, 民生银行 was updated on October 26, 2026 and CF40 on October 20, 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.*