1. Go to the process. The two products have simple process and smooth payment, and the subscription can be completed within 5 seconds. However, considering that the frequency of opening WeChat every day is much higher than that of Alipay wallet, Licaitong is more attractive than Yu 'ebao in terms of transferring in anytime and anywhere and checking income at any time.
2. In terms of the transfer amount, WeChat Licaitong stipulates that during the trial operation, a single card will not exceed 8,000 yuan per day, and the funds in each Licaitong account will not exceed 1 10,000 yuan. The balance of Alipay can be transferred to the daily limit with the balance treasure, and the single payment of savings card should not exceed 50,000 yuan, 50,000 yuan per day (not more than 5,000 yuan on the computer side), 6,543,800 yuan per month, and the funds in each account should not exceed 6,543,800 yuan.
3. Transfer-out quota: the daily transfer-out amount of each account of WeChat Wealth Management shall not exceed 6,000 yuan, which can be transferred out three times a day; The single limit of transferring balance treasure to bank card is 6,543,800 yuan, and the daily limit is 6,543,800 yuan. Up to three times a day, unlimited monthly. The daily limit of transfer to Alipay account is 50,000, and the monthly limit is 200,000.
4. Arrival time: WeChat Licaitong supports ICBC, Agricultural Bank of China, China Construction Bank, etc. 1 1 banks to arrive in 2 hours, and other banks 1-3 days. Yu 'ebao supports mobile phones to arrive in 2 hours and computers to arrive in 24 hours.
5. In terms of yield, it is almost the same, because it is a daily income, and the daily income is different. At present, the income is about 6.4% for Licaitong and 6.5% for Yu 'ebao. This figure doesn't mean anything, because it has been changing, and it is very likely that Licaitong will surpass Yu 'ebao in a few days. This is not good.
Yu 'ebao can be directly used for shopping, but Licaitong can't, unless you transfer it to the bank card first.