UnionPay APP vs 鲸鱼
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
鲸鱼
This financial tool offers low-risk investment opportunities for users. It prioritizes data security through advanced encryption and backup systems, backed by legal partnerships and experienced technical teams.
- Low-risk investment focus
- Advanced data encryption
- Redundant data centers
- Legal partnerships
- Experienced technical team
- SSL server certificate authentication
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【鲸鱼介绍】 鲸鱼-鲸鱼金融旗下专注服务低风险投资爱好者的普惠金融新工具，已安全运营四年。 【鲸鱼保障】 数据安全： 1. VeriSign-SSL服务器证书认证体系，高度加密更安全 2. 生产、容灾两个数据中心，彼此同步，互为备份，确保历史数据安全保存 3. 完善的系统安全内部控制制度 法律保障： 1.鲸鱼与知名律所达成战略合作协议 2.《中华人民共和国电子签名法》规定了电子合同具有法律效力 技术保障： 鲸鱼拥有一支银行和大型金融平台开发和运维经验的技术团队。采用世界500强企业中超过93%的企业使用的VeriSign-SSL服务器证书认证体系，采用极高强度的加密和鉴别算法，切实保护用户敏感信息在互联网上的传输。鲸鱼理财率先使用数据库敏感信息字段级加密技术，防止被‘脱裤‘的数据泄漏风险，切实保护好用户数据的私密性。
Screenshots
Verdict
The clearest difference is review sentiment: 鲸鱼 at 50% against UnionPay APP's 8%. 鲸鱼 also leads on rating (2.3 vs 1.9) and iOS requirement (9.0 vs 13.4). UnionPay APP's advantage is ratings volume (588 vs 3) and chart position (#207 vs unranked). On price, update cadence, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.
鲸鱼 holds the better App Store score, 2.3 against 1.9. That said, the two scores are not equally well evidenced: UnionPay APP has 588 ratings behind it against 3, 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 50% of 鲸鱼's.
UnionPay APP ships an update every 5 weeks, 鲸鱼 every 3 weeks. The most recent releases landed on November 6, 2026 and November 8, 2026 respectively.
| Parameter | UnionPay APP | 鲸鱼 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.9 (588 ratings) | 2.3 (3 ratings) — better |
| Positive reviews | 8.2% of reviews | 50.0% of reviews — better |
| Number of ratings | 588 — better | 3 |
| Update frequency | Every 5 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Best chart rank | #207 — better | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.4 | 9.0 — better |
| Further details — not scored | ||
| Size | 224 MB | 46 MB |
| Age rating | 17+ | 17+ |
| Developer | 中国银联 | Xiamen Jicaishen Network Technology Co. Ltd |
Customer experience
UnionPay APP
鲸鱼
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
鲸鱼
Not enough reviews yet to summarise bugs or requests.
In-app purchases
UnionPay APP
No in-app purchases
鲸鱼
No in-app purchases
