Comparison

UnionPay APP vs 来记账本

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

UnionPay APP

Manage all your bank cards in one place with this integrated mobile payment solution. Securely scan to pay and discover exclusive card discounts and special offers.

Highlights
  • Integrated mobile payment
  • Comprehensive bank card management
  • Scan-to-pay feature
  • Financial-grade security protection
  • Card discounts and special offers
Features
Read full description

UnionPay APP is a strategic product for integrated mobile payment in the banking sector. It provides comprehensive management of bank cards and brings together all card discounts and special offers. 【Main Features】 1. Scan-to-pay feature with UnionPay's financial-grade security protection, ensuring worry-free fund security. 【Official Website】https://www.95516.com/ 【Official WeChat】Yinlian_KY

About

来记账本

This app helps individuals manage their personal finances by tracking income and expenses. It offers customizable categories, detailed statistics, and budgeting tools. Secure data storage and import/export options are also provided.

Highlights
  • Customizable income/expense categories
  • Detailed statistical analysis
  • Budget creation and management
  • Multiple asset account types
  • Shared accounting for family
  • Secure encrypted data storage
  • Bill import and export
Features
Read full description

Laiji Ledger "is an asset management accounting app that is completely customized for individuals, without advertising! No community! No financial management! After returning home from work every day, organize the day's asset expenses and income, and record the arrival of the accounting book app Rich functions ① Basic accounting function, including expenses, income, transfers, and support for refunds. Multiple refunds can be processed for a single transaction, and associated images are supported ② Built in rich revenue and expenditure categories, what? Not enough for you? It's okay! You can completely customize the desired classification! We will regularly update our custom gallery! ③ Super powerful statistical function, supporting statistics in different dimensions such as year, quarter, month, week, and day for bills, with a considerable degree of freedom! ④ With powerful basic statistical functions, the perfect Chart can be displayed at a glance! ⑤ It supports almost all types of asset management methods, such as cash account, credit account, recharge account, investment account and debt. It will tell you in secret that entering stock and fund code can help you automatically update the asset situation! (Note that we only count the asset situation and do not involve any financial management functions) ⑥ Budget function, in addition to built-in year, quarter, month, week, and day budget types, you can also customize dimension budgets. For example, if you make an appointment with that person to go to Dali for a 7-day romantic journey, then creating a 7-day budget can automatically manage expense budgets! ⑦ Account management, in addition to the built-in daily ledger, you can also create your own ledger! For example, family ledger and baby ledger, pay attention! We support shared accounting among members! Invite him to record the household ledger with you and jointly manage the household expenses and income situation~ ⑧ Data security is guaranteed. Whether you are a free user or not, your data will be uploaded to the server through special encryption methods, which is very secure! ⑨ Super powerful import and export functions, supporting the import of bills from dozens of other platforms, as well as multi-dimensional and highly customized export methods. Come and give it a try! ⑩ There are other practical features waiting for you to discover! 【 Automatic renewal service description 】 ·Subscription cycle: 1 week (VIP member), 1 month (VIP member), and 1 year (VIP member). ·Subscription price: VIP membership service for consecutive weeks is 3 yuan per week; The continuous monthly VIP membership service is 12 yuan per month; The continuous VIP membership service is 60 yuan per year, and the discounted price for limited time events is only 36 yuan for the first year. ·Payment: The payment is made through the user's iTunes account, and the payment is made upon confirmation of the purchase. ·Cancel Renewal: To cancel the renewal, please manually turn off the automatic renewal feature in iTunes/Apple ID settings management 24 hours before the current subscription cycle expires. ·Renewal: The Apple iTunes account will be charged within 24 hours before its expiration. After successful deduction, the subscription cycle will be extended by one subscription cycle. ·To book this VIP service agreement: https://www.walletbagapp.com/docs/#/user_agreement/user_vip_agreement ·Bookkeeping Automatic Renewal Service Agreement: https://www.walletbagapp.com/docs/#/user_agreement/user_vip_auto_renew_agreement If you have any questions or opinions during use, please enter the official QQ channel: https://pd.qq.com/s/etyac3qw8 If you enjoy keeping a ledger, please leave your review in the App Store. Your five-star review will become a driving force for our continuous progress!

Screenshots

UnionPay APP4 screens
来记账本4 screens

Verdict

The call

The clearest difference is review sentiment: 来记账本 at 78% against UnionPay APP's 8%. UnionPay APP's advantage is in-app purchases (none vs 4) and iOS requirement (13.4 vs 15.6). 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. 来记账本 sells 4 in-app purchases, starting at $1.99 per month. UnionPay APP asks for nothing beyond the download.

UpkeepUpdate frequency

UnionPay APP ships an update every 5 weeks, 来记账本 every 3 weeks. The most recent releases landed on October 24, 2026 and October 8, 2026 respectively.

Scorecard4 real differences · 6 level
UnionPay APP versus 来记账本: the parameters behind the verdict, then further details
ParameterUnionPay APP来记账本
PriceFreeFree
Rating1.9 (584 ratings) — better—
Positive reviews8.2% of reviews77.8% of reviews — better
Number of ratings584 — better—
Update frequencyEvery 5 weeksEvery 3 weeks — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.4 — better15.6
Further details — not scored
Size224 MB48 MB
Age rating17+4+
Developer中国银联百强 陈

Customer experience

UnionPay APP

All ratings577 ratings
Positive19.6%
Neutral3.8%
Negative76.6%
Written reviews450 reviews
Positive8.2%
Neutral4.0%
Negative87.8%

来记账本

Written reviews9 reviews
Positive77.8%
Neutral0.0%
Negative22.2%

Bugs and requests

UnionPay APP

Reported bugs

4 issues
  • Unable to receive verification codes
  • Face recognition consistently fails
  • Inability to change registered phone number
  • Unexpected app crashes during transactions

Requested features

4 requests
  • Support for international phone numbers
  • Add English language option
  • Implement Touch/Face ID authentication
  • Improve payment flow and error handling

来记账本

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

UnionPay APP

No in-app purchases

4 purchases

来记账本

Subscriptions2
  • Monthly Member$1.991 Month
  • Annual Member1 Year trial$8.991 Year
One-time2
  • Coffee$3.99
  • Life Member$12.99

Questions

Is UnionPay APP free?
UnionPay APP is free to download, with no in-app purchases.
Is 来记账本 free?
来记账本 is free to download, with in-app purchases available.
Do UnionPay APP or 来记账本 have ads?
Neither UnionPay APP nor 来记账本 shows ads.
Which is updated more often, UnionPay APP or 来记账本?
UnionPay APP ships an update every 5 weeks, and 来记账本 every 3 weeks. Most recently, UnionPay APP was updated on October 24, 2026 and 来记账本 on October 8, 2026.

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