The difference between Yue Bao and Yu Yu Bao and Yu Yu Bao is better

I understand that Yu'e Bao and Coin Pass are the same, Yu'e Bao's money is the currency of investment in Alipay's cooperation with a certain company, and the money in Coin Pass is the currency of investment in Tencent's cooperation with a certain company.

Yu'e Bao and Coin Pass are both balance value-added businesses, which are essentially currency ** wealth management, and the risk of principal loss is small. The specific differences include different platforms: Yuebao is provided by Alipay, and Coin Pass is provided by WeChat; Currencies are different:

Both Yu'e Bao and Coin Pass are connected to the currency, but the currency products are different, and the corresponding financial income is also different.

At present, the interest rate of Coin Pass is higher than that of Yue Bao, one is, one is. Of course, this difference is mainly due to the fact that Yu'e Bao was launched much earlier than Coin Pass, and at the beginning, the interest rate of Yu'e Bao was as high as about 4%, but now with the increasing number of users, it has gradually decreased.

If you subscribe too late, then it may be possible to purchase the total amount of Yu'e Bao on the same day, and you will not be able to subscribe successfully, and you can only wait for the next day if you want to buy; At this point, the change pass should be more flexible, there is no limit to the purchase amount, basically you can buy as much as you want, but there is also a limit when you want to redeem it, generally 10,000.

In fact, relatively speaking, Yue Bao and Change Pass have their own advantages, the most important thing is to choose which one to use with your usual usage habits, Alipay uses more then choose Yue Bao, WeChat uses more then use Change Pass, after all, even if it is deposited in Yue Bao or change, we can also choose to pay directly with the money in it when paying, so we must choose the one that is most convenient for you.

In terms of interest rates, Coin Pass is now better than Yu Yu Bao. However, this interest rate fluctuates, and you can check the interest rate in real time before making a choice. In other aspects, Yu'e Bao or WeChat Coin Pass are similar, both are current accounts, flexible access and access.

Yue Bao and Coin Pass both have the existing cash withdrawal function, compared with the bank and ** regular and regular investment, Yu Yu Bao and Coin Pass are more flexible, and after taking out a part of the amount, the remaining money can still continue to operate in Yu Yu Bao and Coin Pass, there will be a certain amount of income every day, but the income will decrease with the decrease in the amount.

Extended Materials. 1. Introduction to Yu Bao.

Yue Bao is a balance value-added service and current fund management service product of Ant Financial, which was launched in June 2013. Tianhong is the manager of Yue Bao.

Yu'e Bao is connected to Tianhong**'s Yuebao currency**, which is characterized by easy operation, low threshold, zero handling fee, and can be used at any time. In addition to the financial management function, Yu'e Bao can also be directly used for shopping, transfer, payment and repayment, and other consumer payments, which is a cash management tool in the mobile Internet era. Yu'e Bao remains the largest currency in China**.

On May 3, 2018, Yu'e Bao newly accessed the two currency ** products of Bosera and CEIBS** Company, "Bosera Cash Income Currency A" and "CEIBS Rolling Money Currency A".

2. Introduction to Coin Pass.

Coin Pass is a currency** product launched by Tencent's subsidiaries in cooperation with a number of financial institutions and can be used for payment. Users can use the money in the change pass directly for consumption, such as transferring, sending red envelopes, scanning QR codes to pay, and repaying credit cards. At the same time, when the funds are placed in the change pass and are not used, you can automatically earn income.

The transfer of bank cards is free of handling fees, which is convenient for the temporary income of transfer funds; You can also set up automatic transfer of salary cards, automatic transfer of pocket money every month, earn while spending, and automatically generate bills.

Users can open or use Coin Pass through [WeChat] - [Me] - [Payment] - [Wallet] - [Coin Pass]. Users can transfer WeChat change or bank debit card funds to change pass, and the funds transferred by the bank card can be transferred back to the bank card or change for free, and the funds transferred in the change can only be transferred back to the change, and there is no handling fee for the transfer in and out.

Operating environment: brand model: iphone13

Hello, happy to answer your questions. Change pass, and Yue Bao, which has the highest interest?? Little Ayong Financial Encyclopedia.

Hello, happy to answer your questions. Compared with Yu Yu Bao, the income of Coin Pass is higher.

Questions. What is the interest rate of Coin Pass?

Change Pass is a wealth management product on WeChat, its partners are all currencies**, users can choose E Fund**Easy Finance, Harvest**Cash Profit and other currencies**, each **income is not much different, and the income will be slightly different in different periods. For example, the annualized rate of return of Easy Wealth Management in the past seven days is that investing 10,000 yuan per day can generate yuan income.

Yu'e Bao is a financial product on Alipay, the main partner is Tianhong**, and it is also a currency ** company, with an annualized rate of return in the past seven days, and an investment of 10,000 yuan per day can generate yuan of income.

Questions. What's the security?

are very safe and reliable, dear, this can be assured.

Steps to open WeChat Change Pass: Open WeChat on your mobile phone, click [Me] - [Service] - [Wallet] - [Change Pass], and click [Free Activation]. There are a few more points to note:

1. There is no handling fee for transferring funds from Change Pass to or out of Change and Bank Card.

3. If you want to transfer funds transferred from WeChat change to change pass, you need to transfer out to change first, and then withdraw from change to bank card. Generally, it will arrive within 2 hours, but you need to pay a certain percentage of the handling fee.

WeChat Coin Pass is a current financial management business. It is a wealth management product launched by WeChat Pay in cooperation with third-party financial institutions, which is designed to meet the personalized and diversified financial needs of users. To borrow the official expression of WeChat Pay, WeChat Coin Pass is a sales agency that provides sales services for currency** products, and **companies provide operation and management services for currency**.

Many users will have funds left in WeChat change every day, but the change is only stored in the balance, and the funds will not change in any way. If a user deposits idle funds into Coin Pass, they are actually buying a currency** on WeChat's platform, and this kind of currency** is a low-risk financial product that can be transferred in and out at any time. It is similar to bank savings on demand deposits, but the interest rate is higher than that of demand savings.

The product is low-risk, and it supports the purchase of Tongyun and redemption (transfer out or consumption) at any time, so is WeChat change pass financial management safe, and how to open WeChat change pass steps. It is recommended that users who have not yet opened WeChat Coin Pass follow the process to try it.

Which has a higher annualized rate and which one is better.

Hello dear, WeChat's change pass income is slightly higher. 1. In Alipay's Yue Bao, its average income of 10,000 shares is about yuan, that is to say, users save 10,000 yuan in Yue Bao, and the daily interest is yuan. 2. WeChat has also launched a similar product called Coin Pass, which has an average income of about 10,000 yuan, which is slightly higher than that of Yue Bao.

3. In addition to the currency that can withdraw funds at any time, Alipay and WeChat have a wide variety of regular financial products. The 7-day annualized rate of return of WeChat Coin Pass refers to the average rate of return of the currency ** in the last 7 days, which is calculated based on the average return of the previous seven days from yesterday, and the current 7-day annualized rate of return of WeChat Coin Pass is about 3%. WeChat users deposit 10,000 yuan in Coin Pass, then the annual income rollover is 10,000 3% = 300 yuan.

In addition to calculating the income by making the 7-day annualized rate of return of Lu Bei, it can also be calculated by 10,000 shares, and the daily income of the change pass = 1000000 100000 returns.

Difference 1: Yield.

The annualized rate of return in the early stage of Yu'e Bao Tui Lu was relatively high, so it attracted a large number of users and became the first team in China to exceed 100 billion. But now Yu'e Bao's income is getting lower and lower, and the current seven-day annualized rate is only. In contrast, the yield of the change pass is a little higher, and it can have left and right.

Difference 2: Payment process.

Yue Bao is more convenient than Coin Pass in that it can be used directly for consumption, and Coin Pass must be transferred back to the Coin Wallet before it can be used, although the time limit of Coin Pass to Coin Pass is very fast and can achieve instant transfer, but this extra step will affect the user experience to some extent.

Difference 3: Payment scenario.

The corresponding entrance Alipay and WeChat Coin Pass itself are not the same payment scene, Alipay was born to make it more convenient for users to pay, so it is now more convenient to pay for online shopping, and WeChat as a social app, since the third-party payment launched is called "coin wallet", it means that it is more suitable for offline small payment. However, the boundaries between the two are gradually being broken, and Alipay also meets almost all offline payment scenarios.

Difference 4: Limits.

Yu'e Bao realizes zero-threshold financial management, coupled with the early launch time, it has become a mass financial product, but with the increasing stock of Tianhong**, the restrictions on it by the relevant departments are becoming more and more strict, so Yu'e Bao disturbs the argument from the limit of 250,000 to the limit of 100,000. Yue Bao has recently been upgraded, there is no limit, but two have been added**, if you are interested, you can learn about it.

The Southern Cash Pass E of Change Pass is also almost zero threshold, but there is also a limit for transfer-in, and the maximum annual payment limit for WeChat change is 200,000, so the amount transferred from Change Pass to Change Pass is the remaining payment limit of your change. If you transfer from a bank card, the daily limit of each bank is different, so you can check it yourself.

1. Yue Bao.

It is provided by Alipay, change pass.

Different: Yu'e Bao and Coin Pass are both connected to the currency, but the currency** products are different, and the corresponding financial income is also different.

3. Interest rates are different. The interest rate of the change pass is higher than that of Yue Bao's old regret dust, one is a squire, and the other is. WeChat's change pass's income is probably slightly higher than Alipay's Yue Bao income, of course, this is for users who buy a larger amount of income is more obvious, such as the usual little spare money put into the user in the income gap between the two is not very obvious, so if you are more or in the change pass, if not a lot, then it depends on your usual payment habits, often use WeChat to pay for the change pass, often use Alipay to pay for the choice of Yue Bao.

4. Now there is a limit to the amount of Yu'e Bao that can be bought every day, and it is sold at nine o'clock in the morning. WeChat has an advantage in this regard, buy as much as you want when you buy, but the premise is that you have so much money to put in, of course, there is a limit of 10,000 yuan when redeeming, but in general, WeChat has an advantage in this point.

5. Of course, Yu'e Bao still has the advantage that the change pass does not have, for example, some time ago, Alipay made a virtual amount of money into the Yu'e Bao activity, so that friends can experience benefits without spending money, at that time, it caused a lot of small partners to join, so that the users of Yu'e Bao have increased a lot, relying on benefits to attract users is Alipay's consistent routine, but it is indeed possible to enjoy real benefits.

6. Speaking of activities, Alipay's usual activity benefits are much larger than WeChat's, which is why although the income of the change pass is slightly higher now, many people still choose to use Yuebao to put money, so if you usually like to shop, it is recommended that it is more convenient to put it in Yuebao.

No matter which one you choose, it's great, but the most important thing is that it depends on the needs, as long as it's convenient for you to use.

This belongs to two functions, Yue Bao is to help you save money, but also to generate a certain amount of income, change pass is a temporary release of money, can not generate income.

1. The rate of return of Coin Pass is higher than that of Yue Bao. As of September 20th, the 7-day annualized income rate of Coin Pass (Xicaijun is connected to E Fund Easy Wealth Management Currency**) is about 7 days, and the data of Yue Bao (subject to Tianhong Yue Bao currency**) is, so the income of WeChat Coin Pass is higher than that of Yue Bao. Looking at the long-term performance of the two **, it is still in line with this judgment.

Therefore, from the perspective of earning income, Coin Pass is better than Yue Bao.

Second, the change pass supports WeChat payment, and Yue Bao supports Alipay payment: WeChat payment and Alipay are the two giants of mobile payment, and they are almost everywhere in life. Therefore, in order to consume conveniently and earn income, many people will deposit their money in Yue Bao or Change Pass.

Three, **limit, change pass more advantage: at present, there is a limit to the daily subscription amount of Yu'e Bao, which is sold at 9 o'clock every day, and it will not be grabbed if it is late, but this provision is only for Tianhong Yu'e Bao currency, after upgrading Yue Bao, **other currencies** are neither limited nor limited. There is no limit on WeChat Coin Pass, **No limit.

Within the transaction limit of the bank card, you can buy as little as you want, but the redemption is still limited to 10,000 yuan. From this point of view, users who have not upgraded Yu'e Bao, if they can't grab Yu'e Bao, it is better to buy change pass.