iChange Member vs UspendItrack

iChange is a Singapore-based multi-currency mobile wallet with Mastercard, built just for your financial well-being. We believe in providing instant, secured and easy payments, making life awesome! iChange is a money-changers marketplace to eliminate the time, hassle, and fees associated with exchanging currencies and making global payments when traveling or living abroad. • Exchange money after comparing rates in our money-changers marketplace. • Store 12 most used currencies in a multi-currency wallet. • Make swift payments worldwide using the globally accepted iChange MasterCard. • Send money to your loved ones and pay bills on their behalf with just a few taps! The New Way to Change Money No more searching for a reliable money changer, carrying cash, and paying exorbitant credit card fees! With iChange, you get a one-stop money-changing marketplace where you can compare rates for any currency from several money changers at a glance and get the best deal without worrying about a hidden fee. • Fast - Exchange currencies with just a click. • Safe - All money-changers are vetted and verified. • Cost-Effective - Best rates, no hidden charges. • Transparent - Choose your rates. Stay in control. No hidden fees. Carry Multiple Currencies in a Digital Wallet iChange allows you to store foreign currencies in one convenient location, eliminating the risk of carrying cash when you travel. Top it up whenever you are and get attractive rates on the marketplace within seconds! • Local Transfer - Send money to a friend locally (in Singapore) via wallet or Paynow • QR Payment - Make instant payments by scanning QR at stores • Topup conveniently using PayNow or at any 7-Eleven Stores Make Payments Worldwide With the iChange MasterCard You can spend your money in the multi-currency wallet anywhere in the world using your iChange Card. Smart technology deducts money from your wallet based on the currency that you’re spending, subject to currency availability in your wallet. Online Payments - One card for all expenses anywhere in the world In-store Payments - Enjoy cashless payments in-store ATM Withdrawals - Withdraw currency from any ATM Make Remittances With Full Transparency Send money to most countries with 100% transparency with just a few clicks. Enjoy home delivery services in selected countries. One-Click Bill Payments from Anywhere in the World Want to pay utility bills back home on behalf of your family? Worried about sending funds for your kid’s education abroad? Pay all your bills from electricity to gas, water, internet, telephone, and subscriptions anytime, anywhere, with a single tap. Simply sign up for FREE as our member to access everything we are offering in iChange. About: IBV is a Fintech Company based in Singapore focused on making cross-border payments simple, secured and cost effective.

Most people carry three or four cards. Each statement arrives on its own date, in its own format, with no categories — so the only way to see what you actually spent last month is to open all of them and start adding up. UspendItrack does that for you. Import each statement and every card lands on one shared timeline, categorised, so you get a single dashboard across all of them. No account, no bank login, and nothing leaves your phone. ONE VIEW ACROSS EVERY CARD • Import statements from any number of cards and banks • Everything is placed on a common calendar month, so cards with different billing dates finally line up side by side • Categories are applied automatically by rules you control — statements arrive with none • Spend by card, by category, by merchant and by month • Re-importing a statement you already have adds nothing; overlapping periods are handled for you KNOW WHAT EACH CARD IS EARNING • Set your own cashback and miles rates, per card • See what your actual spending earned on each one • Compare cards over the same period, from your own history rather than a marketing table • Find the subscriptions and recurring charges buried across statements PLAN WITH REAL NUMBERS • Budgets per category, compared month to month • Dashboard, month view and cashflow heatmap • Subscriptions and recurring spend, worked out from your own history • Snapshots you can restore, taken automatically as well as on demand NOTHING LEAVES YOUR PHONE • No account, no sign-in, no server, no sync • No analytics, no crash reporting, no advertising identifiers • Your ledger is excluded from iCloud backup, so it does not even reach your own cloud account • Export everything as CSV at any time — never restricted, never behind a purchase IMPORT WHAT YOU ALREADY HAVE • Built-in support for common Singapore statement formats, including DBS, OCBC, UOB, Citibank and PayLah • Any other bank: export CSV from your bank and import that. The app asks which column holds the date, the description and the amount, then remembers it • Every import is checked against the total printed on the statement, so you find out when something did not add up MAKE IT YOURS • Rules that categorise a merchant the same way every time • Bulk edit: select many transactions and recategorise, annotate or mark them recurring in one go • Group recurring expenses that arrive under different names • Notes on any transaction, and manual entry for the cash the statement never saw FREE, WITH ONE PURCHASE Five statement imports are free. If you want more, a single purchase unlocks unlimited importing for good. Everything else is unrestricted either way — viewing, editing, categorising, budgets, reports and CSV export — and anything you imported before the limit stays fully usable forever. A NOTE ON THE TRADE-OFF Because nothing is stored in a cloud, a new phone starts empty. Your data moves across by exporting CSV and importing it on the new device, which takes a minute and requires no account. That is the cost of the promise, and we would rather state it here than have you discover it later.