微信理财通跟余额宝一样吗
关键词：微信理财通跟余额宝一样吗
随着理财产品市场的发展，广大群众的意识越来越高，理财产品的种类也越来越多，网购常用的支付宝和现下热门的聊天软件微信也推出了理财产品余额宝和理财通，这两种产品都属于网络理财产品，但是它们是不是一样，有什么区别，我们一起来了解一下。
| 比较项目 | 余额宝 | 理财通 |
| 合作基金公司 | 天弘基金 | 华夏基金 |
| 担保公司 | 中国平安 | 中国人保 |
| 年化收益率 | 6.67% | 6.64% |
| 转入额度 | 转入无限额，账户资金总额不超过100万元 | 单卡单日不超过8000元，资金总额不超过100万元 |
| 转出额度 | 转至银行卡单笔限额100万元，每日限额100万元，每月无限额，单日最多可转出3次；转至支付宝账户每日限额5万，每月限额20万 | 单日不超过6000元，最多可转出3次 |
| 到账时间 | 手机端2小时到账，电脑端24小时到账 | 支持工行、农行、建行等11家银行2小时到账，其他银行1-3天到账 |
| 消费便捷性 | 可直接用于消费购物 | 用于消费需先把钱转至银行卡 |
本文来源： 大田环球贵金属
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