Ching vs 碌邊張 SwipeWhich

Ching is an automatic expense tracker designed for Hong Kong. Snap receipts, log Apple Wallet taps automatically, no bank login. • Receipt Photos Snap a paper bill, or pick a PayMe, Octopus or bank payment screenshot from your album. Ching reads the amount, merchant and date; you tap to confirm. 3 images a month on Free, 300 on Ching Pro. Cloud reading is its own opt-in switch. • Auto-Log Card Taps (requires iOS 27) Add one Ching Shortcut. When a card in Apple Wallet is used, or PayMe tells you money has arrived, Ching posts a notification and one tap confirms the entry. Set it up once. • Quick Manual Entry Expenses, income and transfers in seconds. Merchant categories that learn, multi-currency with live rates, recurring transactions, category budgets, and stock FIFO cost tracking. • AI Spending Insights Monthly spending analysis and trend statistics for tracking where your money goes. Informational only — see disclaimer below. • Cloud Backup (Ching Pro) Encrypted backup. Restore on a new phone in one step. • Privacy First Ching never asks for your bank password and never connects to your bank account. Data stays on your device by default; cloud reading and AI Spending Insights are separate opt-in switches. Free: Unlimited* tracking · Basic stats · 3 AI Spending Insights/month · 3 image reads/month · 3 category budgets Ching Pro: HK$28/month or HK$238/year — Unlimited* AI Spending Insights · 300 image reads/month · Cloud backup · Unlimited* category budgets *Fair-use limits apply to prevent abuse. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your App Store account settings. Made by an independent developer in Hong Kong. Questions? We'd love to hear from you. Important Disclaimer Ching is a personal expense-tracking tool, not a financial advisor. All content — including AI-generated spending insights — is strictly informational and must not be relied upon as investment advice, a recommendation to buy or sell any security, a solicitation, or any form of regulated financial advice. Ching does not hold any licence from the Hong Kong Securities and Futures Commission (SFC) or any other regulator, and does not carry on any regulated activity under the Securities and Futures Ordinance (Cap. 571). Always consult a qualified, licensed professional before making financial decisions.

碌邊張 — 香港信用卡回贈神器 每次碌卡前一秒知邊張最抵 收錄 98 張香港信用卡、385+ 商戶優惠，揀好你手上有嘅卡，再揀消費類別（食飯、網購、超市、海外、交通、油站、八達通……），即刻排出邊張卡回贈最高，連爆 Cap 後嘅實際回贈都計埋 兩種模式 • 現金回贈：邊張 % 最高、上限幾多、爆咗點計 • 飛行里數：邊張 $/里 最抵，Asia Miles / Avios / 各里數計劃 記帳追蹤 記低每筆簽賬，自動睇住每張卡嘅回贈上限、最低消費門檻、銀行「簽滿 $X 賺 $Y」迎新進度，唔會白白蝕咗優惠。 貼心提醒 年費到期、月結單出單、最低消費未達標 —— App 內通知提你，慳返冤枉錢。 純本地、可離線 所有信用卡同商戶資料內置喺手機，飛行模式都用到。預設唔收集、唔上傳任何個人資料。 選用雲端同步 想喺多部機共用資料？可揀用電郵登入同步。完全自願，唔登入一樣用到全部功能；隨時可喺 App 內一鍵刪除帳戶。 資料以銀行官方條款為準，僅供參考。