# UnionPay APP vs 极简记账

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.

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.

## The numbers

| Metric | UnionPay APP | 极简记账 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.9 (584 ratings)](https://appshunter.io/ios/app/unionpay-app/id600273928/reviews) | **[4.6 (5 ratings)](https://appshunter.io/ios/app/and-and/id6504852125/reviews)** |
| Number of ratings | **584** | 5 |
| Positive reviews | 8.2% of reviews | **84.2% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 2 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Best chart rank | **#202** | — |
| Size | 224 MB | 47 MB |
| Requires iOS | **13.4** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [中国银联](https://appshunter.io/developer/433602057) | [ShenZhen LuDeQingYun Infomation Technology Co., Ltd](https://appshunter.io/developer/1140406166) |

## What reviewers say

### UnionPay APP

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

**Currently charting:** #202 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


### 极简记账

[App page](https://appshunter.io/ios/app/and-and/id6504852125)

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.

**Highlights:** 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

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 极简记账半年会员 | $2.99 | one-time |
| 极简记账一年会员 | $3.99 | one-time |
| 极简记账永久会员 | $4.99 | one-time |


## Frequently asked questions

### Is UnionPay APP free?

UnionPay APP is free to download, with no in-app purchases.

### Is 极简记账 free?

极简记账 is free to download, with in-app purchases available.

### Which has better reviews, UnionPay APP or 极简记账?

极简记账 is rated higher. UnionPay APP averages 1.9 out of 5 from 584 ratings, while 极简记账 averages 4.6 from 5 ratings.

### Do UnionPay APP or 极简记账 have ads?

Neither UnionPay APP nor 极简记账 shows ads.

### Which is updated more often, UnionPay APP or 极简记账?

UnionPay APP ships an update every 5 weeks, and 极简记账 every 2 weeks. Most recently, UnionPay APP was updated on November 1, 2026 and 极简记账 on October 30, 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.*