UnionPay APP vs 智慧通
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UnionPay APP
Manage all your bank cards in one place with this integrated mobile payment solution. Securely scan to pay and discover exclusive card discounts and special offers.
- Integrated mobile payment
- Comprehensive bank card management
- Scan-to-pay feature
- Financial-grade security protection
- Card discounts and special offers
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UnionPay APP is a strategic product for integrated mobile payment in the banking sector. It provides comprehensive management of bank cards and brings together all card discounts and special offers. 【Main Features】 1. Scan-to-pay feature with UnionPay's financial-grade security protection, ensuring worry-free fund security. 【Official Website】https://www.95516.com/ 【Official WeChat】Yinlian_KY
智慧通
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大通证券大智慧手机证券采用全新行情推送技术，提供实时快行情，毫秒级推送更新，随时追踪主力资金动向，让投资赢在起跑线上。 实时行情：提供深沪港高速行情，以及基金、债券、权证、期指、外盘各类证券市场行情；拥有强大的图表分析功能及自选股个性化管理功能，个股基本财务指标、公告信息、大单资金流向等查询。 在线交易：兼具普通交易和闪电交易，普通股票包括股票买卖、新股申购、基金申赎、债券回购、银证转账、账号查询、融资融券等交易功能满足您的投资所需；闪电交易，用可在个股分时页快捷下单，节省超过30%的下单时间，交易快人一步。 资讯研究：提供强大的资讯内容，囊括财经热点新闻、行业动态、个股机会、新股资讯、数据掘金、港股、美股、基金、理财等全面资讯内容.
Screenshots
Verdict
The clearest difference is rating: 智慧通 at 5.0 against UnionPay APP's 1.9. UnionPay APP's advantage is ratings volume (588 vs 1). On price, update cadence, ads and in-app purchases 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.
智慧通 holds the better App Store score, 5.0 against 1.9. That said, the two scores are not equally well evidenced: UnionPay APP has 588 ratings behind it against 1, so its average is the more settled of the two.
UnionPay APP ships an update every 5 weeks, 智慧通 every 2 months. The most recent releases landed on November 6, 2026 and November 1, 2026 respectively.
| Parameter | UnionPay APP | 智慧通 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.9 (588 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 8.2% of reviews | — |
| Number of ratings | 588 — better | 1 |
| Update frequency | Every 5 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.4 | 13.0 — better |
| Further details — not scored | ||
| Size | 224 MB | 141 MB |
| Age rating | 17+ | 4+ |
| Developer | 中国银联 | DATON SECURITIES CO., LTD. |
Customer experience
UnionPay APP
智慧通
Bugs and requests
UnionPay APP
Reported bugs
4 issues- Unable to receive verification codes
- Face recognition consistently fails
- Inability to change registered phone number
- Unexpected app crashes during transactions
Requested features
4 requests- Support for international phone numbers
- Add English language option
- Implement Touch/Face ID authentication
- Improve payment flow and error handling
智慧通
Not enough reviews yet to summarise bugs or requests.
In-app purchases
UnionPay APP
No in-app purchases
智慧通
No in-app purchases
