# Plinqit vs UBMich

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.

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

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.

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.

## The numbers

| Metric | Plinqit | UBMich |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (74 ratings)](https://appshunter.io/ios/app/plinqit/id1086165855/reviews)** | [4.8 (319 ratings)](https://appshunter.io/ios/app/ubmich/id1555294728/reviews) |
| Number of ratings | 74 | **319** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 4 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 4 MB | 177 MB |
| Requires iOS | **13.0** | 18.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 12+ |
| Developer | [HT Mobile Apps LLC](https://appshunter.io/developer/597193942) | [Union Bank (MI)](https://appshunter.io/developer/655833489) |

## What reviewers say

### Plinqit

[App page](https://appshunter.io/ios/app/plinqit/id1086165855)

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:** macOS Compatibility

**In-app purchases:** none


### UBMich

[App page](https://appshunter.io/ios/app/ubmich/id1555294728)

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:** Apple Wallet

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*