# UnionPay APP vs 来记账本

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 chart position (#193 vs unranked). On price, update cadence, ads and device support there is nothing between them.

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.

UnionPay APP ships an update every 5 weeks, 来记账本 every 3 weeks. The most recent releases landed on October 26, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | UnionPay APP | 来记账本 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.9 (584 ratings)](https://appshunter.io/ios/app/unionpay-app/id600273928/reviews)** | — |
| Number of ratings | **584** | — |
| Positive reviews | 8.2% of reviews | **77.8% 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 |
| Best chart rank | **#193** | — |
| Size | 224 MB | 48 MB |
| Requires iOS | **13.4** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [中国银联](https://appshunter.io/developer/433602057) | [百强 陈](https://appshunter.io/developer/1585159021) |

## What reviewers say

### UnionPay APP

[App page](https://appshunter.io/ios/app/unionpay-app/id600273928)

**Currently charting:** #193 Top Free · Finance (US App Store)

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:** macOS Compatibility, Siri integration, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast payment processing
- 🔒 Secure payment methods
- 👍 Convenient account management

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🤖 Poor user experience design
- 💳 Difficulty binding bank cards
- 🕰️ Slow app performance
- 🔍 Confusing navigation and features

**Reported bugs**

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

**Requested features**

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


### 来记账本

[App page](https://appshunter.io/ios/app/id1662298467)

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:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Member | $1.99 | per month |
| Annual Member | $8.99 | per year |
| Coffee | $3.99 | one-time |
| Life Member | $12.99 | one-time |


## Frequently asked 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 26, 2026 and 来记账本 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.*