# 行信 vs ReFi算账

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.

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.

## The numbers

| Metric | 行信 | ReFi算账 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.4 (19 ratings)](https://appshunter.io/ios/app/id1326721097/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/refi/id6761893170/reviews)** |
| Number of ratings | **19** | 1 |
| Positive reviews | 48.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | — | Free |
| Size | 740 MB | 134 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [中国银行股份有限公司](https://appshunter.io/developer/392493980) | [Beijing Financial World Technology Co.,Ltd.](https://appshunter.io/developer/923934026) |

## What reviewers say

### 行信

[App page](https://appshunter.io/ios/app/id1326721097)

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### ReFi算账

[App page](https://appshunter.io/ios/app/refi/id6761893170)

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.

**Highlights:** 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

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

**In-app purchases:** none


## Frequently asked questions

### Is 行信 free?

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

### Is ReFi算账 free?

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

### Which has better reviews, 行信 or ReFi算账?

ReFi算账 is rated higher. 行信 averages 1.4 out of 5 from 19 ratings, while ReFi算账 averages 5.0 from 1 ratings.

### Do 行信 or ReFi算账 have ads?

Neither 行信 nor ReFi算账 shows ads.

### Which is updated more often, 行信 or ReFi算账?

行信 ships an update every 3 months, and ReFi算账 every 2 weeks. Most recently, 行信 was updated on October 19, 2026 and ReFi算账 on October 8, 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.*