UnionPay APP vs 极简记账
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Integrated mobile payment
- Comprehensive bank card management
- Scan-to-pay feature
- Financial-grade security protection
- Card discounts and special offers
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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
极简记账
This app simplifies expense tracking with automatic and quick manual entry options. It offers clear charts, customizable budgets, and secure data backup. Manage various accounts and export your financial data with ease.
- Automatic expense tracking
- Quick manual entry
- Calendar view of expenses
- Multiple customizable ledgers
- Optional asset account tracking
- Excel data export
- Rich financial charts
- Category budgeting
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极简记账 —— 刚刚好的记账工具。 秉承 “少即是多” 的设计理念，去掉了理财、社区、后台等繁杂功能，只保留最核心的记账流程与清晰的图表展示。无论结婚、旅行、装修还是日常开销，它都能轻松应对，正是你想要的记账 App。 产品功能 自动记账 支持快捷指令自动触发记账，消费完成后自动匹配账单金额与日期，记账无需手动操作。 快速记账 一键完成记账，分类清晰明了，让每一笔开销都有据可查。 日历查阅 按月查看账单总览，每日支出一目了然，轻松掌握花销节奏。 多种记账本 支持日常、家庭、生意、旅行、装修等场景预设分类，还可自定义月起始日，适配不同记账习惯。 资产账户（可选） 可添加银行、支付宝、微信等账户，随时了解余额动态。该功能默认关闭，可在设置中按需开启。 账本导出 支持一键导出 Excel 表格，整理数据更高效。 丰富图表 收支变化、分类消费排行等图表，直观呈现消费结构，助你快速分析财务状况。 分类预算 可为各类支出设定预算，合理规划每一笔开销。 数据安全 账单保存即同步，实时备份，防止数据丢失。 记账提醒 贴心的记账提醒功能，帮你养成记账习惯。 消费趋势 用图表清晰呈现消费走势，洞察支出规律。 极简记账，让记账回归简洁高效。 联系我们 我们始终希望根据用户的需求打磨更好的产品。如果你有任何建议或意见，欢迎联系我们： simpleaccountteam@163.com
Screenshots
Verdict
The clearest difference is review sentiment: 极简记账 at 84% against UnionPay APP's 8%. 极简记账 also leads on rating (4.6 vs 1.9) and update cadence (every 2 weeks vs every 5 weeks). UnionPay APP's advantage is in-app purchases (none vs 3) and ratings volume (584 vs 5). On price, 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. 极简记账 sells 3 one-off in-app purchases. UnionPay APP asks for nothing beyond the download.
极简记账 holds the better App Store score, 4.6 against 1.9. That said, the two scores are not equally well evidenced: UnionPay APP has 584 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 8% of UnionPay APP's written reviews are positive against 84% of 极简记账's.
UnionPay APP ships an update every 5 weeks, 极简记账 every 2 weeks. The most recent releases landed on November 1, 2026 and October 30, 2026 respectively.
| Parameter | UnionPay APP | 极简记账 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.9 (584 ratings) | 4.6 (5 ratings) — better |
| Positive reviews | 8.2% of reviews | 84.2% of reviews — better |
| Number of ratings | 584 — better | 5 |
| Update frequency | Every 5 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Best chart rank | #202 — better | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.4 — better | 15.0 |
| Further details — not scored | ||
| Size | 224 MB | 47 MB |
| Age rating | 17+ | 4+ |
| Developer | 中国银联 | ShenZhen LuDeQingYun Infomation Technology Co., Ltd |
Customer experience
UnionPay APP
极简记账
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
极简记账
Not enough reviews yet to summarise bugs or requests.
In-app purchases
UnionPay APP
No in-app purchases
极简记账
- 极简记账半年会员$2.99
- 极简记账一年会员$3.99
- 极简记账永久会员$4.99
