Starryblu vs Conch Expense

Starryblu, the best choice for global payment. With the Starryblu App, manage spending, saving, international transfers, incoming payments, and multiple currencies in one place. Starryblu makes it easier to manage and move your money across borders. Through integrations and partnerships with TenPay Go, PayPal, Alipay+, and other leading payment providers, Starryblu continues to expand its global payment network, giving you more ways to pay, spend, and transfer money worldwide. Whether you're an international student, overseas professional, digital nomad, global entrepreneur, or frequent traveler, Starryblu helps you manage your finances wherever life takes you. - Global Spending | From Everyday Purchases to AI Subscriptions Pay at restaurants, cafés, hotels, shops, online stores, and more. Starryblu also supports payments for global AI tools, software, and digital subscriptions, including ChatGPT and X Premium. - Secure and trustworthy Regulated by the Monetary Authority of Singapore (MAS) and licensed as a Major Payment Institution (MPI). User funds are safeguarded in dedicated accounts at OCBC Bank and kept separate from company assets. PCI DSS certified, with multi-factor authentication, data encryption, biometric verification, AI-powered risk controls, and 24/7 account protection. Backed by leading global investors including Sequoia Capital and Lightspeed Venture Partners. - Internationally recognized design Starryblu won a Gold Award at the US MUSE Design Awards for its product experience and design, helping deliver a secure, simple, and convenient cross-border financial experience. - 200M subsidy campaign Enjoy subsidies across remittances and spending, plus extra user benefits. Rewards are issued automatically and are easy to use. - 10+ multi-currency accounts and instant exchange Open local multi-currency accounts online in minutes and receive payments like a local. Manage global funds in one place with no monthly or maintenance fees. Exchange currencies instantly at competitive rates and receive real-time transaction notifications. - International remittances and transfers Send money to 40+ countries with transparent pricing and no hidden fees. Over 52% of transfers are instant, with eligible transfers arriving within 20 seconds. - Physical debit card Spend and withdraw cash across 40+ countries and regions. Unsupported currencies are automatically exchanged when you pay. Enjoy benefits such as cashback and custom card numbers, with in-app card controls including freeze and unfreeze. - Keep your funds growing Earn daily returns on your account balance, with flexible deposits and withdrawals and no extra handling fees. Account currencies: GBP, EUR, USD, AUD, CAD, HKD, JPY, NZD, SGD Remit to: Hong Kong, Malaysia, South Korea, Vietnam, Philippines, Thailand, Singapore, Sri Lanka, Nepal, India, Indonesia, United States, Canada, Australia, United Kingdom, France, Germany, Italy, Netherlands, Belgium, Luxembourg, Denmark, Ireland, Greece, Portugal, Spain, Austria, Sweden, Finland, Malta, Cyprus, Poland, Hungary, Czech Republic, Slovakia, Estonia, Latvia, Lithuania, Romania, Bulgaria, Croatia Official Website: https://www.starryblu.com/ Financial Compliance: https://www.starryblu.com/en/compliance Customer Service Email: stb@starryblu.com

Conch Expense is an expense tracker for people who travel for work in mainland China and claim the costs back from their company. Log each expense as it happens, attach the invoice (fapiao), and create the expense report in one tap when the trip is over. LOG AN EXPENSE IN SECONDS • Flights, trains, hotels, meals and taxis each have their own form: frequent trips fill in with one tap, hotels work out the price per night, meals work out the cost per person, taxi rides take their start and end points from the map • Add an invoice from the camera, your photo library or Files, and the amount, date, invoice number and seller are filled in for you • Unfinished entries are saved as drafts; when you add a matching invoice later, the app offers to attach it to the draft instead of logging a duplicate INVOICES, RECOGNIZED ON YOUR DEVICE • Reads China digital e-invoices (PDF, OFD and XML) as well as photos and scans of paper invoices • Recognition runs on your iPhone; invoice images are never uploaded • Optional Mailbox Sync connects straight from your phone to your mailbox over IMAP, only when you tap Sync, and picks up the invoices waiting there STAY WITHIN YOUR COMPANY'S LIMITS • Set limits per invoice title for flights, trains, hotels and meals • An over-limit warning appears as soon as you enter the amount • Expenses that are still missing an invoice are flagged in the list and on the calendar SEE THE WHOLE TRIP • Filter by type, status or tag, or combine them; search by hotel or merchant • Calendar view with hotel stays shown as bands, plus China's public holidays and make-up workdays • Totals by type for this month, this quarter, this year or any date range EXPENSE REPORTS IN ONE TAP • Pick the expenses and export a report as PDF, Word or Excel; PDF and Word reports include the invoices • Save the file to the Files app • Mark the expenses as Claiming, then Reimbursed, so you always know what is still owed to you INVOICE TITLES • Keep your company's invoice title, tax ID, address and bank details in one place • Copy everything in one tap or share it as text when a merchant asks for it YOUR DATA STAYS YOURS • No account needed; Sign in with Apple is optional • Everything is stored on your iPhone and, if you turn iCloud on, synced through your own iCloud account • No servers of our own, no ads, no analytics or tracking SDKs CONCH EXPENSE PRO • Custom currencies: export in one currency or keep original-currency totals • SAFE and Bank of China reference rates, manual rates, and saved conversion details • Ten more built-in expense types: Transit, Vehicle, Per Diem, Entertainment, Meeting, Training, Phone Bill, Office, Courier and Subscription • Custom expense types with your own fields, and custom claim statuses such as "Finance Review" or "Paid" • Five icon styles, or upload your own image as a type icon • Voice Entry: say one sentence in Mandarin and the expense is logged • Sync invoices from more than one mailbox (the free version links one) • Invoice title QR code, and adding a title by taking a photo of a business license or invoice • Email expense reports to your finance team from the export screen • Export Data: all your expenses in one Excel sheet, with the columns you choose Pro is available as a yearly subscription or a one-time lifetime purchase. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period. You can manage or cancel it in Settings > Apple Account > Subscriptions. GOOD TO KNOW • Chinese yuan (¥) is the default currency; Pro supports custom expense currencies • Invoice recognition and Mailbox Sync are built for mainland China invoices; Voice Entry understands Mandarin • The app is available in English, Simplified Chinese and Traditional Chinese Terms of Use: https://baoxiao.magicalconch.com/en/terms.html Privacy Policy: https://baoxiao.magicalconch.com/en/privacy.html