The Ash vs 有拖冇欠 SettleUp
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
The Ash
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【主要功能】一覽: * 手機會員卡:下載手機程式並登記成為正式會員,即可隨時隨地查閱最新會員積分。 * 會員優惠:尊享會員獨有禮遇,詳細列明優惠內容,一目了然。 * 積分紀錄:查閱你的個人積分增減紀錄。 * 最新消息:為您提供各項資訊及推廣,隨時隨地收到各種精彩驚喜、限時優惠。
有拖冇欠 SettleUp
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- Create virtual ledgers to record all transactions in a clear manner - Rapid creation of transaction records by receipt images or speech, powered by Google Gemini AI - Share ledgers online with friends, record transactions collaboratively, and assign access rights to each friend - Ledgers can be stored and used offline in case no internet connection is available, and upload back online later - Support more than 160 currencies, fetching latest exchange rates online, or specify your own rates for each transaction - Transactions in a ledger can be in different currencies, auto-conversion to settlement currency by app - More than one payer is possible in a transaction, each payer may pay different amounts or even in different currencies - Ways to share among participants in a transaction: by proportion, by percentage, or by exact amount. Each transaction has its own way of share - Different proportion, percentage or exact amount may be specified for sharing by each participant in a transaction - Automatically calculate repayment steps in the simplest way - Generate FPS QR code to facilitate repayment (only for settlement currency in Hong Kong Dollar or Renminbi) - Statistics on daily expenditure, expenditure by participants/transaction categories available as charts (only in upgraded version) - Statistical data and raw data in ledgers can be exported as Excel files (only in upgraded version) - Maximum 3 ledgers in free version. No limit in number of ledgers in upgraded version - App created by a local Hongkonger. Cantonese/English language interfaces and light/dark modes available
Screenshots
Verdict
The clearest difference is update cadence: 有拖冇欠 SettleUp at every 10 days against The Ash's every 3 months. On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
The Ash ships an update every 3 months, 有拖冇欠 SettleUp every 10 days. The most recent releases landed on September 16, 2026 and September 14, 2026 respectively.
| Parameter | The Ash | 有拖冇欠 SettleUp |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 3 months | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.1 — better | 15.5 |
| Further details — not scored | ||
| Size | 44 MB | 66 MB |
| Age rating | 4+ | 4+ |
| Developer | Gamey Studio | Kwok Tim Chan |
In-app purchases
The Ash
No in-app purchases
有拖冇欠 SettleUp
No in-app purchases









