U钱包 vs 老哥记账
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
U钱包
This app offers a convenient way to apply for personal loans through your mobile device. It provides flexible repayment options and uses machine-driven approval for efficiency and security. Borrow amounts range from 10,000 to 30,000 yuan with competitive interest rates.
- Loan amounts from 10,000-30,000 yuan
- Low interest rates from 0.021%
- Flexible monthly repayment options
- Online application with facial recognition
- Machine-driven approval process
- Big data risk control for security
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【产品简介】 U钱包是一款个人借款推荐服务APP。手机一站式申请匹配模式可有效降低申请时间和借款成本。 【产品特点】 1、额度10000元-30000元。 2、利率低至0.021%， 降低还款压力。 3、还款方式 可根据个人需要灵活选择还款方式，支持按月还款。 4、线上操作 淘宝实名用户， “刷脸”识别，足不出户即可申请，方便快捷。 5、机器审批 无人工干预，根据评级，提升额度，更高效。 6、大数据风控 拥有严格的风控团队和先进的网络安全技术，基于全方位大数据审批测评，让您借款更安心。 【联系我们】 客服热线：4006849188 U钱包，优享利率。 借贷有风险，勿过度借贷
老哥记账
This app helps manage personal bills and loans with smart reminders for due dates and amounts. It supports various bank credit cards and online loan accounts, offering insights into spending and secure cloud storage for your financial data.
- Smart bill management
- Automatic overdue reminders
- Credit card and loan tracking
- Account analysis
- Cloud storage
- One-click bill processing
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马上记账是一款针对个人账单管理的记帐软件，提供智能账单管理、自动逾期提醒、专业账户分析等服务。各类账单快速导入，每月待还一目了然，让你轻松上手告别逾期。 【信用卡账单】，支持招商银行、中国银行、工商银行、建设银行、民生银行、广发银行、农业银行、光大银行、平安银行等百余家银行信用卡账单管理服务； 【生活账单】，支持京东白条、花呗、微信账单等各种借款的账单管理； 【自动提醒】，账单日、还款日、还款金额智能提醒，避免逾期高额罚息； 【一键处理】，账单修改、结清、延期等操作一键完成，极速体验； 【账户分析】，资金流水轻松看懂，规划好个人资金消费管理； 【云端存储】，随时随地云端储存年度账单，换手机也不怕丢账单； 【自动续费VIP服务说明】 *订阅周期：1个月（连续包月产品），6个月（连续包月产品），12个月（连续包年产品）。 *订阅价格：连续包月产品为每月68元；连续包6个月产品为每月198元；连续包年产品每年298元。 *付款：通过用户的iTunes账户扣款，用户确认购买后即付款。 *取消续订：如需取消续订，请在当前订阅周期到期前24小时以前，手动在iTunes/Apple ID设置管理中关闭自动续订功能。 *续订：苹果iTunes账户会在到期前24小时内扣费，扣费成功后订阅周期顺延一个订阅周期。 *订阅可以由用户管理，并且可以在购买后在用户的账户设置里关闭自动订阅。 *用户使用协议：https://lgjz.yindengfintech.com/help/disclaimer *隐私保护协议：https://lgjz.yindengfintech.com/help/privacy *自动续费服务协议：https://lgjz.yindengfintech.com/help/automatic_renewal 【联系我们】 官方网站：www.yindengfintech.com 微信公众号：马上记账 意见反馈：马上记账app>我的>意见
Screenshots
Verdict
The clearest difference is in-app purchases: U钱包 at none against 老哥记账's 3. 老哥记账's advantage is iOS requirement (9.0 vs 12.0). On price, update cadence, ads 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. 老哥记账 sells 3 in-app purchases, starting at $9.49 per month. U钱包 asks for nothing beyond the download.
U钱包 ships an update every 5 weeks, 老哥记账 every 3 weeks. The most recent releases landed on October 12, 2026 and October 8, 2026 respectively.
| Parameter | U钱包 | 老哥记账 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (1 ratings) — better | — |
| Positive reviews | — | 84.6% of reviews |
| Number of ratings | 1 — better | — |
| Update frequency | Every 5 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.0 | 9.0 — better |
| Further details — not scored | ||
| Size | 39 MB | 20 MB |
| Age rating | 4+ | 4+ |
| Developer | 德云晟小额贷款股份有限公司 | Anhui Yindeng Network Information Technology Co., Ltd |
Customer experience
U钱包
老哥记账
In-app purchases
U钱包
No in-app purchases
老哥记账
- 单月体验$9.491 Month
- 半年会员$26.996 Months
- 一年会员$40.991 Year
