Magic Heidi vs ;blackcat

Magic Heidi is the Swiss invoice app built for Swiss freelancers. It combines invoices, quotes, receipts, and freelancer accounting in one place — free to start, no credit card required. No payroll modules. No inventory management. No features designed for 50-person teams. Just the tools a self-employed professional actually needs — beautifully designed and ready in seconds. INVOICE IN 30 SECONDS Create professional, Swiss-compliant invoices with QR codes automatically generated from your IBAN. Your clients pay with a single scan — no manual bank details, no errors, no excuses for late payment. Add your logo, customize the language (DE/FR/IT/EN), apply VAT, and send by email — all in under a minute. AI-POWERED EXPENSE TRACKING Snap a photo of any receipt. Our AI extracts the date, amount, VAT, category, and vendor automatically. Foreign currencies? Converted to CHF instantly. No more shoeboxes of chaos. No more manual data entry. Unlimited scans included — no monthly caps. TAX-READY ALL YEAR Stay ready for your Steuererklärung with real-time profit & loss overviews, Swiss MWST calculations (8.1%, 2.6%, 3.8%), one-click tax exports, and an estimated tax calculator. No more February panic. PROFESSIONAL QUOTES Create quotes that convert to invoices with one tap. Track quote status and follow up effortlessly. BANK STATEMENT IMPORT Import bank transactions from UBS, PostFinance, ZKB, and more. Match payments to invoices automatically. CUSTOMER MANAGEMENT Track clients, contact history, and revenue per customer. Everything you need, nothing you don't. BUILT IN SWITZERLAND. FOR SWITZERLAND. Magic Heidi isn't an American app "adapted" for Swiss requirements. It was built by a Swiss freelancer who understands QR invoices, cantonal tax variations, multilingual clients, and Swiss business reality. - Data hosted exclusively on Swiss servers in Zürich - Support in German, French, Italian, and English - Swiss QR-bill standard (SIX-compliant) - All Swiss VAT rates supported - Works on iPhone, iPad, Mac, Android, Windows, and Web WHY FREELANCERS SWITCH TO MAGIC HEIDI - 42% cheaper than comparable Bexio plans - Unlimited AI expense scans (Bexio caps at 50–100/month) - Full mobile feature parity (not a "companion app") - Zero learning curve — no bookkeeping or accounting background needed - 4.9 rating from 5,000+ Swiss freelancers PRICING Free plan: 3 invoices and 3 expenses — no credit card, no time limit. Pro plan: CHF 30/month or CHF 24.99/month billed annually. All features included. 30-day money-back guarantee. Join thousands of self-employed professionals across every canton. From translators in Zürich to designers in Lausanne to consultants in Lugano — Magic Heidi is how Swiss freelancers do their books. Privacy Policy: https://magicheidi.ch/privacy-policy Terms of Use: https://magicheidi.ch/terms-of-service

;blackcat is your companion for effortless everyday payments! Experience an all-in-one app with a European IBAN, travel-ready cards*, integrated crypto wallets, and an enhanced rewards program. Access all your funds with just one click! With ;blackcat, you can manage your money anytime, anywhere. Get started in minutes: download the blackcat.app, register with your personal details and documents, verify your ID with a selfie – and you’re ready to go! Instantly access your crypto, IBAN, and virtual payment card. Order a matching plastic card – it will be produced in just 24 hours and shipped to you, wherever you are in the world! And of course, you can also add your card to Apple Pay! Why choose ;blackcat? – Free plan**. Standard rate (accounts with 1 card) is € 0 / month — no hidden fees. – Flexible money management. All your funds are available in one mobile interface. Create an unlimited number of additional wallets – both for euros and crypto. Each wallet and card is fully customizable with individual spending limits. You can also issue as many payment cards as you want. – Powerful rewards. Choose a bonus program that fits you — 4% per annum reward as part of the loyalty program (not an interest-bearing product), 2% cashback on Amazon, or 0.5% cashback on all card purchases (excluding ATM withdrawals, transfers, and crypto purchases). – Fast and convenient money transfers. SEPA payments, crypto wallet transfers, and transfers between blackcat accounts. – Secure payments. Benefit from 3D Secure protection — every transaction is confirmed with in-app authentication. – Dedicated support, 24/7. Our expert team is always here for you via chat or email. We don’t force you to talk to robots – you can always chat with a real person! How to Open an Account Download the blackcat.app from App Store. Fill out your personal info and upload proof of address. Take a selfie + scan your ID and/or residence permit — that’s it! Black cat is your lucky sign! We take care of the security and protection of your data. Blackcat is collecting, using, and processing your personal data in accordance with European General Data Protection Regulations. We use advanced measures to keep information secure. Disclaimers: *Travel-ready cards are ;blackcat’s payment cards. Those cards are accepted at car rentals, hotels, and other services, both online and offline. **Standard service and transaction fees may apply according to the tariff schedule. ;blackcat is issued by Papaya, Ltd. Papaya Ltd. is an Electronic Money Institution authorised and regulated by the Malta Financial Services Authority. Client funds are safeguarded in accordance with applicable legislation. Funds held in e-money accounts are not covered by the Depositor Compensation Scheme. The bonus payment is a part of the loyalty program provided by Baltic Technology Solutions OU. Detailed terms and conditions can be found here: https://baltictechsolutions.com/ An integrated crypto exchange and custodial crypto wallets are provided by MANERIO Sp. z o.o. You can find more information at maner.io