Comparison

融e生活 vs 中银智慧商家

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

Head to head
About

融e生活

This app offers a comprehensive suite of financial and lifestyle services for Shenzhen ICBC cardholders. Manage your accounts, make transfers, invest wisely, and access exclusive lifestyle deals and services.

Highlights
  • Account balance and transaction history
  • Fee-free transfers and remittances
  • Smart investment recommendations
  • Mobile top-ups and movie ticket purchases
  • Exclusive lifestyle discounts and deals
  • Traffic violation processing
  • Travel installment payments
Features
Read full description

融e生活,深圳工行移动金融生活圈。 深圳工行出品,只要你拥有深圳工商银行卡,就可享受到我们为你提供的金融生活大礼包,快来下载融e生活,感受下我们满满的诚意吧! 【金融功能】 融e查:以曲线图和时间轴的形式快速展现储蓄卡、信用卡余额和明细; 转账汇款:全国、同行、跨行、实时到账、免手续费; 微转账:新型的转账模式,通过融e生活付款、微信收款的方式,使转账形式更多样、更丰富; 卡券包:融e生活将不定期送出话费充值,电影票兑换券,领取后可转赠好友; 融e智投:根据你的风险偏好,为你推荐适合的产品,实现智能理财、智能投资; 金融社保卡:轻轻一点,足不出户便可办理你的专属社保卡; 金融信息查询:除了获取最新的金融资讯,还可以实时查询存贷款利率、人民币汇率、贵金属价格等主要金融信息; 随心存:闲钱赚收益,银行级别的安全保护,灵活方便省心; 信用卡:还工行信用卡,还他行信用卡,跨行还款,实时到账; 卡卡归集:自定义制定资金划转计划。 【生活圈】 电影票:深圳主流影院在线选座购票,每周还有超低价购票机会; 手机充值:支持移动联通电信,充值优惠,每次都有惊喜; 摇一摇:每天摇一摇,礼品带回家; 爱购优惠:推出超低折扣项目,让你提升生活品质,尽享优惠; 漂流伞:下雨了,不用愁。你的专属雨伞已准备好,请签收; 卡吉兔:汇总境外各类生活用品,轻轻一点,逛遍世界; 交通违章:精准全国查询,快速专业办理。让每一次违章办理更简单、更快速; 首付游:分期付款,说走就走的旅游模式你值得拥有; e代驾:为你提供更全面、专业的车辆服务。 如有疑问,联系我们:yinyuchu@sz.icbc.com.cn 温馨提示: 本应用中涉及的所有活动和抽奖均由中国工商银行深圳市分行提供,与苹果公司无关。

About

中银智慧商家

Features
Read full description

中银智慧商家APP是中国银行针对本行签约商户提供的移动端服务平台,可为商户提供交易实时提醒、交易账单查询、商户在线申请、退款操作、收银员/店铺管理等全方位商户金融服务。

Screenshots

融e生活4 screens
中银智慧商家3 screens

Verdict

The call

The clearest difference is rating: 融e生活 at 5.0 against 中银智慧商家's 1.0. 融e生活 also leads on review sentiment (32% vs 14%). 中银智慧商家's advantage is iOS requirement (9.0 vs 18.0). On price, ratings volume, update cadence and ads 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

融e生活 holds the better App Store score, 5.0 against 1.0. Both are backed by a comparable volume of ratings — 2 and 1 respectively. Written reviews point the same way: 32% of 融e生活's written reviews are positive against 14% of 中银智慧商家's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on September 7, 2026 and September 24, 2026 respectively.

Scorecard3 real differences · 7 level
融e生活 versus 中银智慧商家: the parameters behind the verdict, then further details
Parameter融e生活中银智慧商家
PriceFreeFree
Rating5.0 (2 ratings) — better1.0 (1 ratings)
Positive reviews31.8% of reviews — better14.3% of reviews
Number of ratings2 — better1
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPod — better
Requires iOS18.09.0 — better
Further details — not scored
Size71 MB64 MB
Age rating17+4+
DeveloperIndustrial and Commercial Bank of China中国银行股份有限公司

Customer experience

融e生活

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews22 reviews
Positive31.8%
Neutral27.3%
Negative40.9%

中银智慧商家

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews21 reviews
Positive14.3%
Neutral9.5%
Negative76.2%

In-app purchases

None

融e生活

No in-app purchases

None

中银智慧商家

No in-app purchases

Questions

Is 融e生活 free?
融e生活 is free to download, with no in-app purchases.
Is 中银智慧商家 free?
中银智慧商家 is free to download, with no in-app purchases.
Which has better reviews, 融e生活 or 中银智慧商家?
融e生活 is rated higher. 融e生活 averages 5.0 out of 5 from 2 ratings, while 中银智慧商家 averages 1.0 from 1 ratings.
Do 融e生活 or 中银智慧商家 have ads?
Neither 融e生活 nor 中银智慧商家 shows ads.
Which is updated more often, 融e生活 or 中银智慧商家?
融e生活 ships an update every 2 months, and 中银智慧商家 every 2 months. Most recently, 融e生活 was updated on September 7, 2026 and 中银智慧商家 on September 24, 2026.

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