Comparison

Plinqit vs UBMich

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

Head to head
About

Plinqit

This app rewards users for saving money and learning about personal finance. Link your bank account, set savings goals, and earn money by saving, referring friends, and completing educational modules. It offers a secure and free way to achieve financial goals.

Highlights
  • Earn money for saving
  • Get paid to learn personal finance
  • Set savings goals
  • Refer friends for rewards
  • Secure bank account linking
  • FDIC-insured savings
Features
Read full description

Get paid to save and learn about money! That’s right, our partner institutions will pay you to learn about things like buying your first home, building your credit score and early investing. How Plinqit works: Link to your checking account, simply and safely*. Set a goal, big or small, and see your savings grow. Earn more money by saving and referring friends. And, don’t forget when you learn about personal finances, you’ll earn money for that too! Price: We don’t believe you should have to pay a fee to save money. Plinqit is free to use**. There are no service fees unless you choose a penalty to withdraw funds before completing your savings goal. The self-selected penalty helps to motivate you and keep your savings saved- but it is up to you. With Plinqit, we pay you! So, what do you want? A vacation? New car? Emergency fund? Plinqit is the free, easy, automatic way to save. Want it. Plinqit. Get it. *Bank level security and protection with you in mind. **Data rates may apply for mobile device usage. With 256-bit encryption and FDIC-insurance up to $250,000, your money is safe at Plinqit.

About

UBMich

Manage your finances with this secure and easy-to-use app. Organize transactions with tags and photos, set balance alerts, and make payments. Deposit checks, manage your debit card, and find nearby branches and ATMs.

Highlights
  • Organize transactions with tags and photos
  • Set balance alerts
  • Make payments and transfer money
  • Deposit checks via photo
  • Manage debit card (reorder/turn off)
  • View and save monthly statements
  • Find branches and ATMs
Features
Read full description

UBMich is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what else you can do with UBMich: -Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. -Set up alerts so you know when your balance drops below a certain amount -Make payments, whether you’re paying a company or a friend -Transfer money between your accounts -Deposit checks in a snap by taking a picture of the front and back -Reorder your debit card or turn it off if you’ve misplaced it -View and save your monthly statements -Find branches and ATMs near you Secure your account with a 4-digit passcode or biometric supported devices.

Screenshots

Plinqit4 screens
UBMich4 screens

Verdict

The call

The clearest difference is ads: UBMich at none against Plinqit's shown. UBMich also leads on update cadence (every 3 weeks vs every 4 months) and monetization model (ad-supported vs free with in-app purchases). Plinqit's advantage is iOS requirement (13.0 vs 18.4). On price, rating, review sentiment 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

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

On the App Store both sit at effectively the same score — 4.9 for Plinqit against 4.8 for UBMich. Both are backed by a comparable volume of ratings — 74 and 319 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

UpkeepUpdate frequency

Plinqit ships an update every 4 months, UBMich every 3 weeks. The most recent releases landed on June 11, 2026 and September 26, 2026 respectively.

Scorecard5 real differences · 5 level
Plinqit versus UBMich: the parameters behind the verdict, then further details
ParameterPlinqitUBMich
PriceFreeFree
Rating4.9 (74 ratings) — better4.8 (319 ratings)
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings74319 — better
Update frequencyEvery 4 monthsEvery 3 weeks — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesAd-supported — better
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS13.0 — better18.4
Further details — not scored
Size4 MB177 MB
Age rating4+12+
DeveloperHT Mobile Apps LLCUnion Bank (MI)

Customer experience

Plinqit

All ratings74 ratings
Positive98.6%
Neutral0.0%
Negative1.4%
Written reviews60 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

UBMich

All ratings319 ratings
Positive94.4%
Neutral2.5%
Negative3.1%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Plinqit

No in-app purchases

None

UBMich

No in-app purchases

Questions

Is Plinqit free?
Plinqit is free to download, with no in-app purchases.
Is UBMich free?
UBMich is free to download, with no in-app purchases.
Which has better reviews, Plinqit or UBMich?
Plinqit is rated higher. Plinqit averages 4.9 out of 5 from 74 ratings, while UBMich averages 4.8 from 319 ratings.
Do Plinqit or UBMich have ads?
Plinqit shows ads; UBMich does not.
Which is updated more often, Plinqit or UBMich?
Plinqit ships an update every 4 months, and UBMich every 3 weeks. Most recently, Plinqit was updated on June 11, 2026 and UBMich on September 26, 2026.

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