# Hao Jin vs VMBanks

The clearest difference is rating: Hao Jin at 5.0 against VMBanks's 3.7. VMBanks's advantage is update cadence (every 3 weeks vs every 3 months) and ratings volume (3 vs 1). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Hao Jin holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 1 and 3 respectively.

Hao Jin ships an update every 3 months, VMBanks every 3 weeks. The most recent releases landed on October 2, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Hao Jin | VMBanks |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/hao-jin/id1208883606/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/vmbanks/id6761894858/reviews) |
| Number of ratings | 1 | **3** |
| Positive reviews | — | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 38 MB | 29 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [QFPay Haojin Fintech Limited](https://appshunter.io/developer/1645830478) | [VMSHELL INC](https://appshunter.io/developer/1615424625) |

## What reviewers say

### Hao Jin

[App page](https://appshunter.io/ios/app/hao-jin/id1208883606)

This merchant app facilitates money collection and offers integrated membership, loyalty programs, and a meal ordering system. It also provides a developer platform for extended functionality.

**Highlights:** Money collection, Membership programs, Loyalty programs, Meal ordering system, Developer platform

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### VMBanks

[App page](https://appshunter.io/ios/app/vmbanks/id6761894858)

A modern financial application for managing, spending, and growing your money. It offers virtual cards, digital assets, and flexible savings options all within a single platform.

**Highlights:** Money management, Spending tracking, Virtual cards, Digital assets, Flexible savings

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Hao Jin free?

Hao Jin is free to download, with no in-app purchases.

### Is VMBanks free?

VMBanks is free to download, with no in-app purchases.

### Which has better reviews, Hao Jin or VMBanks?

Hao Jin is rated higher. Hao Jin averages 5.0 out of 5 from 1 ratings, while VMBanks averages 3.7 from 3 ratings.

### Do Hao Jin or VMBanks have ads?

Neither Hao Jin nor VMBanks shows ads.

### Which is updated more often, Hao Jin or VMBanks?

Hao Jin ships an update every 3 months, and VMBanks every 3 weeks. Most recently, Hao Jin was updated on October 2, 2026 and VMBanks on October 24, 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.*