China Merchants Bank is better than China CITIC Bank because of its high customer service quality, rich products, strong market competitiveness and good digital transformation. The staff of China Merchants Bank are friendly, able to provide professional suggestions and solutions, with wide network coverage and strong business. However, CITIC Bank has fewer outlets in some areas, its business needs to be strengthened, and there is room for improvement in digital transformation. The specific choice also needs to be based on personal needs.