Hang Seng Personal Banking vs Deftest

Bringing you comprehensive mobile banking features and services to meet your personal banking needs, such as account opening, payment, personal finance and investment in an easy and safe way. Download it now! Everyday banking made simple • Open a bank account at ease with your mobile • Check all your account balances in one go • Make real-time transfer and pay bills easily via FPS • Log on securely and verify transactions using Mobile Security Key and Biometric Authentication • Deposit Hong Kong Dollar cheques without going to the branch or cheque deposit machines • Save time and get cash securely with our App instead of physical ATM card at Hang Seng or HSBC ATMs Enhanced banking experience personalised to you • Personalise your own user interface to access frequently-used functions faster • Receive personalised push notification updates for your account activities such as FPS inward payment and credit card payment due reminder • Get a ticket before arriving at our branch for counter services to save waiting time • Get support 24/7 for all your banking queries with our Live Chat and Virtual Assistant HARO Access to banking products with ease • View the latest market information on securities, FX / precious metal and funds to help you make informed financial decisions • Invest at ease in securities, funds, bonds and more with our user-friendly interface • Manage your credit cards in one place, where you can repay credit card, check rewards, view e-Statements and apply for instalment loan • Place time deposits, buy / sell foreign currencies quickly and conveniently FPS (Faster Payment System) is a real-time payment platform provided by Hong Kong interbank Clearing Limited. This App is provided by Hang Seng Bank Limited (“Bank” or “we”). The Bank is regulated and authorised to carry out banking activities in Hong Kong SAR. The products and services represented within this App are intended for Hong Kong customers. This App is not intended for distribution, download or use by any person in any jurisdiction, country or region where the distribution, download or use of this material is restricted and would not be permitted by law or regulation. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available through this App in the country or region you are located or resident in. Hang Seng of 83 Des Voeux Road, Central, Hong Kong is incorporated in Hong Kong with limited liability and is a licensed bank regulated by the Hong Kong Monetary Authority. Please be aware that Hang Seng isn’t authorised or licensed in any other jurisdiction for the provision of the services and/or products available through this App. This App shouldn’t be considered as communicating any invitation or inducement to engage in banking, lending, investment or insurance activity or any offer, solicitation or recommendation to buy and sell securities or other instruments or to buy insurance outside Hong Kong. The information provided through this App is not intended for use by persons located in or resident in jurisdictions where the distribution of such material may be considered marketing or promotional and where that activity is restricted.

Deftest is a complete finance tracker for freelancers — jobs, invoices, payments and expenses in one fast, private app for iPhone, iPad and Mac. Your data never leaves your control. There is no account to create, no server anywhere, and nothing is collected — everything lives on your devices and syncs through your own iCloud. Even if you stop subscribing, your records stay visible, searchable and exportable. Your data is yours, always. TRACK THE WORK Record every job with client, volume, rate and currency. Statuses follow the real flow of freelance work: confirmed, delivered, billed, paid. Open work never hides — unpaid jobs and unsettled invoices always stay in view. INVOICE WITHOUT FRICTION Group delivered jobs into clean, professional PDF invoices with yearly-sequential numbering. Send them to clients directly from the app. Track due dates and see overdue invoices at a glance. KNOW YOUR NUMBERS See income by year, month, client and currency. Spot your biggest clients, follow your growth across years, and understand where the money actually comes from. Expenses sit alongside income, so profit is always in sight. WORK IN ANY CURRENCY Bill different clients in different currencies. Daily ECB reference rates give you an indicative overall picture — while every record keeps its true original currency. BRING YOUR HISTORY Import years of past work and expenses from CSV, with a preview before anything is committed and one-tap undo for the whole batch. Export everything, anytime, in open formats. BUILT BY A FREELANCER Deftest was built by a working translator to run his own business, and it shows: pagination never conceals open business, removed currencies stay on old records, and labels say exactly what they mean. A subscription (14-day free trial) or one-time lifetime purchase unlocks the app. If a subscription lapses, Deftest becomes read-only — your data stays yours. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/