# U钱包 vs 老哥记账

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.

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.

## The numbers

| Metric | U钱包 | 老哥记账 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.0 (1 ratings)](https://appshunter.io/ios/app/u-app/id1406674094/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | — | 84.6% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 3 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 39 MB | 20 MB |
| Requires iOS | 12.0 | **9.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [德云晟小额贷款股份有限公司](https://appshunter.io/developer/1464117186) | [Anhui Yindeng Network Information Technology Co., Ltd](https://appshunter.io/developer/1505295259) |

## What reviewers say

### U钱包

[App page](https://appshunter.io/ios/app/u-app/id1406674094)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


### 老哥记账

[App page](https://appshunter.io/ios/app/id1505295260)

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.

**Highlights:** Smart bill management, Automatic overdue reminders, Credit card and loan tracking, Account analysis, Cloud storage, One-click bill processing

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 单月体验 | $9.49 | per month |
| 半年会员 | $26.99 | per 6 months |
| 一年会员 | $40.99 | per year |


## Frequently asked questions

### Is U钱包 free?

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

### Is 老哥记账 free?

老哥记账 is free to download, with in-app purchases available.

### Do U钱包 or 老哥记账 have ads?

Neither U钱包 nor 老哥记账 shows ads.

### Which is updated more often, U钱包 or 老哥记账?

U钱包 ships an update every 5 weeks, and 老哥记账 every 3 weeks. Most recently, U钱包 was updated on October 12, 2026 and 老哥记账 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.*