# 智方便 iAM Smart vs 精算助理

The clearest difference is review sentiment: 精算助理 at 100% against 智方便 iAM Smart's 3%. 精算助理 also leads on update cadence (every 10 days vs every 3 weeks). 智方便 iAM Smart's advantage is in-app purchases (none vs 17) and iOS requirement (13.0 vs 16.0). On price, ads and device support there is nothing between them.

Both are free to download. 精算助理 sells 17 in-app purchases, starting at $3.99 per month. 智方便 iAM Smart asks for nothing beyond the download.

智方便 iAM Smart ships an update every 3 weeks, 精算助理 every 10 days. The most recent releases landed on October 24, 2026 and September 15, 2026 respectively.

## The numbers

| Metric | 智方便 iAM Smart | 精算助理 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.8 (30 ratings)](https://appshunter.io/ios/app/iam-smart/id1515065344/reviews)** | — |
| Number of ratings | **30** | — |
| Positive reviews | 2.6% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 10 days** |
| Monetization | Free | — |
| Size | 173 MB | 111 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Digital Policy Office](https://appshunter.io/developer/426069050) | [深圳华博精算咨询有限公司](https://appshunter.io/developer/1573679549) |

## What reviewers say

### 智方便 iAM Smart

[App page](https://appshunter.io/ios/app/iam-smart/id1515065344)

This app offers a single digital identity for Hong Kong residents to securely log in to government and commercial online services. It features auto form filling, personalized notifications, and digital signing capabilities for enhanced convenience and efficiency in managing digital transactions.

**Highlights:** Single digital identity for login, Secure authentication, Auto form filling with e-ME, Personalized notifications, Digital signing (iAM Smart+)

**In-app purchases:** none

**What reviewers like**

- 👍 Very convenient to use
- 🚀 Can submit application overseas

**What reviewers complain about**

- 👎 Scanning ID never works
- 👎 QR code scanner never works
- 👎 Face recognition doesn't work
- 👎 NFC function is poor
- 👎 App is unusable

**Reported bugs**

- System update requires resetting linkage
- Cannot scan ID card or QR code
- Camera function cannot be activated
- Face recognition doesn't work
- NFC function doesn't work

**Requested features**

- Alternative login method besides Face ID
- Add dark mode option
- Improve NFC functionality
- Improve QR code scanner
- Improve facial recognition accuracy


### 精算助理

[App page](https://appshunter.io/ios/app/id1573679547)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (17)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 會員自動續費 | $3.99 | per month |
| 會員自動續費199 | $24.99 | per month |
| VIP自動續費 | $24.99 | per month |
| 專業提升29 | $3.99 | one-time |
| 白银会员 | $14.99 | one-time |
| 專業提升199 | $24.99 | one-time |
| 线上专业提升198 | $29.99 | one-time |
| 線上專業提升759 | $99.99 | one-time |
| 線上專業提升758 | $99.99 | one-time |
| 線上專業提升750 | $99.99 | one-time |
| 線上專業提升740 | $99.99 | one-time |
| 線上專業提升749 | $99.99 | one-time |
| 線上專業提升730 | $99.99 | one-time |
| 線上專業提升748 | $99.99 | one-time |
| 線上專業提升738 | $99.99 | one-time |
| 線上專業提升729 | $99.99 | one-time |
| 線上專業提升739 | $99.99 | one-time |


## Frequently asked questions

### Is 智方便 iAM Smart free?

智方便 iAM Smart is free to download, with no in-app purchases.

### Is 精算助理 free?

精算助理 is free to download, with in-app purchases available.

### Do 智方便 iAM Smart or 精算助理 have ads?

Neither 智方便 iAM Smart nor 精算助理 shows ads.

### Which is updated more often, 智方便 iAM Smart or 精算助理?

智方便 iAM Smart ships an update every 3 weeks, and 精算助理 every 10 days. Most recently, 智方便 iAM Smart was updated on October 24, 2026 and 精算助理 on September 15, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*