# SHIN理想記帳 vs 華南銀行+

The clearest difference is ratings volume: 華南銀行+ at 1.3K against SHIN理想記帳's 5. 華南銀行+ also leads on monetization model (free vs ad-supported). On price, rating, update cadence and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for SHIN理想記帳 against 4.7 for 華南銀行+. That said, the two scores are not equally well evidenced: 華南銀行+ has 1.3K ratings behind it against 5, so its average is the more settled of the two.

SHIN理想記帳 ships an update every 3 weeks, 華南銀行+ monthly. The most recent releases landed on October 9, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | SHIN理想記帳 | 華南銀行+ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (5 ratings)](https://appshunter.io/ios/app/shin/id1616469322/reviews)** | [4.7 (1.3K ratings)](https://appshunter.io/ios/app/plus/id1616828713/reviews) |
| Number of ratings | 5 | **1.3K** |
| Positive reviews | — | 25.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Ad-supported | **Free** |
| Size | 98 MB | 186 MB |
| Requires iOS | 13.2 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [KINGWAY MEDIA CO., LTD.](https://appshunter.io/developer/1861368921) | [Hua Nan Commercial Bank](https://appshunter.io/developer/520090930) |

## What reviewers say

### SHIN理想記帳

[App page](https://appshunter.io/ios/app/shin/id1616469322)

This finance app helps users manage their money through a unique proportional budgeting method, allowing them to allocate income into living, investment, and savings accounts. It also categorizes spending as 'wants' or 'needs' to promote smarter financial decisions and provides detailed reports.

**Highlights:** Proportional budgeting method, Allocate income to living, investment, savings, Categorize spending as 'wants' or 'needs', Consumption analysis reports, Cloud automatic data upload, Customizable category icons, Daily journaling reminders

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

**In-app purchases:** none


### 華南銀行+

[App page](https://appshunter.io/ios/app/plus/id1616828713)

Manage your finances with this comprehensive banking app. Access account balances, transfer funds, pay credit card bills, invest in funds, and track gold savings. Find nearby branches and ATM locations, and enjoy secure login options.

**Highlights:** Account balance and transaction history, Fund transfers (real-time and scheduled), Credit card management and payments, Investment portfolio tracking, Gold savings account management, Foreign exchange services, Branch and ATM locator

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💡 Frequent updates
- 👍 Easy to use

**What reviewers complain about**

- 🐛 Compatibility issues with iOS 26.2.1
- 🐛 Frequent crashes
- 🔒 Overly restrictive security measures for overseas users
- 👎 Difficult to navigate and use
- 🐛 Login and account management problems

**Reported bugs**

- Unable to log in or access account
- App freezes or crashes on launch
- Incompatible with newer iOS versions

**Requested features**

- Allow changing app language
- Improve user experience for overseas users


## Frequently asked questions

### Is SHIN理想記帳 free?

SHIN理想記帳 is free to download, with no in-app purchases.

### Is 華南銀行+ free?

華南銀行+ is free to download, with no in-app purchases.

### Which has better reviews, SHIN理想記帳 or 華南銀行+?

SHIN理想記帳 is rated higher. SHIN理想記帳 averages 4.8 out of 5 from 5 ratings, while 華南銀行+ averages 4.7 from 1.3K ratings.

### Do SHIN理想記帳 or 華南銀行+ have ads?

Neither SHIN理想記帳 nor 華南銀行+ shows ads.

### Which is updated more often, SHIN理想記帳 or 華南銀行+?

SHIN理想記帳 ships an update every 3 weeks, and 華南銀行+ monthly. Most recently, SHIN理想記帳 was updated on October 9, 2026 and 華南銀行+ on October 13, 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.*