行信 vs ReFi算账
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
行信
Read full descriptionHide full description
行信是中国银行全力打造的移动金融服务平台，让沟通更及时、快捷，协作更流畅，为内、外部客户提供全面的金融服务咨询。
ReFi算账
This AI-powered financial planning tool creates a dynamic family balance sheet, tracking assets, liabilities, income, and expenses. It uses AI to analyze financial data, providing clear insights and actionable planning advice for families. The app aims to help users understand their current financial situation and plan for the future.
- Dynamic family asset-liability balance sheet
- AI financial data analysis
- Personalized financial planning advice
- Track assets, liabilities, income, and expenses
- Clear financial record keeping
- Financial data interpretation and support
Read full descriptionHide full description
ReFi算账是一款面向个人与家庭，以动态家庭资产负债表为核心的AI财务规划工具。本工具动态汇聚家庭资产、负债与收支数据，借助AI识别、推演财务数据之间的关联与变化。为用户建立清晰、可追溯的家庭财务档案，将静态的财务数据转化为动态的规划建议。 结合“财达人”提供的沟通、解读与规划支持，形成动态财务管理、智能分析与专业服务协同的财务规划模式。帮助每个家庭看清财务现状、科学规划未来。
Screenshots
Verdict
The clearest difference is review sentiment: ReFi算账 at 100% against 行信's 48%. ReFi算账 also leads on rating (5.0 vs 1.4) and update cadence (every 2 weeks vs every 3 months). 行信's advantage is ratings volume (19 vs 1) and iOS requirement (13.0 vs 15.0). On price, ads, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
ReFi算账 holds the better App Store score, 5.0 against 1.4. That said, the two scores are not equally well evidenced: 行信 has 19 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 48% of 行信's written reviews are positive against 100% of ReFi算账's.
行信 ships an update every 3 months, ReFi算账 every 2 weeks. The most recent releases landed on October 19, 2026 and October 8, 2026 respectively.
| Parameter | 行信 | ReFi算账 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.4 (19 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 48.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 19 — better | 1 |
| Update frequency | Every 3 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 740 MB | 134 MB |
| Age rating | 4+ | 17+ |
| Developer | 中国银行股份有限公司 | Beijing Financial World Technology Co.,Ltd. |
Customer experience
行信
ReFi算账
In-app purchases
行信
No in-app purchases
ReFi算账
No in-app purchases
