# UnionPay APP vs 京东金融

The clearest difference is rating: 京东金融 at 4.4 against UnionPay APP's 1.9. 京东金融 also leads on ratings volume (270K vs 588) and update cadence (fortnightly vs every 5 weeks). UnionPay APP's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases and iOS requirement there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

京东金融 holds the better App Store score, 4.4 against 1.9. That said, the two scores are not equally well evidenced: 京东金融 has 270K ratings behind it against 588, so its average is the more settled of the two. Written reviews point the same way: 8% of UnionPay APP's written reviews are positive against 17% of 京东金融's.

UnionPay APP ships an update every 5 weeks, 京东金融 fortnightly. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | UnionPay APP | 京东金融 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.9 (588 ratings)](https://appshunter.io/ios/app/unionpay-app/id600273928/reviews) | **[4.4 (270K ratings)](https://appshunter.io/ios/app/id895682747/reviews)** |
| Number of ratings | 588 | **270K** |
| Positive reviews | 8.2% of reviews | **17.2% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 5 weeks | **Fortnightly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 224 MB | 187 MB |
| Requires iOS | 13.4 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 17+ | 17+ |
| Developer | [中国银联](https://appshunter.io/developer/433602057) | [Beijing Jingdong Financial Technology Holdings Co., Ltd.](https://appshunter.io/developer/1220352269) |

## What reviewers say

### UnionPay APP

[App page](https://appshunter.io/ios/app/unionpay-app/id600273928)

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.

**Highlights:** Integrated mobile payment, Comprehensive bank card management, Scan-to-pay feature, Financial-grade security protection, Card discounts and special offers

**Features:** macOS Compatibility, Siri integration, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast payment processing
- 🔒 Secure payment methods
- 👍 Convenient account management

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🤖 Poor user experience design
- 💳 Difficulty binding bank cards
- 🕰️ Slow app performance
- 🔍 Confusing navigation and features

**Reported bugs**

- Unable to receive verification codes
- Face recognition consistently fails
- Inability to change registered phone number
- Unexpected app crashes during transactions

**Requested features**

- Support for international phone numbers
- Add English language option
- Implement Touch/Face ID authentication
- Improve payment flow and error handling


### 京东金融

[App page](https://appshunter.io/ios/app/id895682747)

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:** Apple Wallet, Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🤖 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

**Reported bugs**

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

**Requested features**

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


## Frequently asked questions

### Is UnionPay APP free?

UnionPay APP 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, UnionPay APP or 京东金融?

京东金融 is rated higher. UnionPay APP averages 1.9 out of 5 from 588 ratings, while 京东金融 averages 4.4 from 270K ratings.

### Do UnionPay APP or 京东金融 have ads?

京东金融 shows ads; UnionPay APP does not.

### Which is updated more often, UnionPay APP or 京东金融?

UnionPay APP ships an update every 5 weeks, and 京东金融 fortnightly. Most recently, UnionPay APP was updated on November 6, 2026 and 京东金融 on November 7, 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.*