微信零钱通正式升级，微信用户有福了
支付宝和微信我们并不陌生，它们是移动支付的高手。平常我们也会经常看到关于它们的新闻，它们使用起来很方便，仿佛天生就是为了移动支付而生的。很多外国人来中国体验了几天，就被中国的移动支付所震撼。如果不考虑商业问题，那支付宝和微信真的算得上是世界上最好用两款支付工具了。
支付宝里有一款产品叫做余额宝，很多人都喜欢用。对于用户来说，余额宝和支付宝余额的区别是前者是有利息的，其它的两者使用起来基本上没有太大差异的。余额宝就像银行的活期存款一样，可以随时使用，而且每天都有收益。
作为竞争对手的微信支付来说，大家都知道微信的零钱是没有收益的，微信长期以来也一直没有推出类似余额宝的产品。但最近，微信对标余额宝对零钱通进行了升级，开通零钱通的用户可自动获取理财收益，同时在微信的所有支付场景还可以正常消费。我们姑且可以认为这就是微信版的余额宝。
作为用户的我们会考虑的是零钱通的收益率是多少。据相关消息，零钱通默认接入的是嘉实现金添利基金，近7日年化收益率为3.275%，万份收益0.9942元。也就是说，一万元在零钱通里一天的收益大概是1元，这个收益率和余额宝是相当的。
经常使用微信支付的朋友会提到一个问题，那就是微信零钱有一个年限额20万的说法，即每年使用微信零钱20万之后，将不能使用微信零钱进行消费或转账。这就需要我们把钱存入银行卡，然后通过微信使用银行卡支付。这也是银行对微信的限制。对于很多微信零钱往来非常大的用户是一个头疼的问题，因为微信零钱提现到银行卡是要手续费的。
微信旗下有一个互联网银行叫做微众银行，微信和微众银行之间的资金往来是不需要手续费的。聪明的朋友会发现，我们把微信零钱的资金提现到微众银行的账户中去，然后在通过微信进行消费就可以了。这样就会省下提现需要的手续费了，自然也就没有了20万的限制了。
支付宝和微信为人们打造了一个无现金时代，对社会的发展来说是起到了推动的作用。支付宝和微信并没有直接从用户手中赚钱，而且还想方设法为用户提供便利和利益，这一点我们要为两家都点个大大的赞！
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