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The best finance apps to help you manage your money

By Jenny Leung 1 March 2019

Originally published by Jenny Leung on January 3, 2019. Last updated by Catharina Cheung on February 7, 2020.

Managing your finances can be tricky, but important nonetheless. To make things a little easier, we’ve put together five essential mobile apps you need to have on your smartphone right now. You’re welcome.

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PayMe by HSBC

Whether you want to remind a friend to pay you back for dinner, or need to split the lunch bill with a few colleagues, HSBC’s PayMe app can help you do just that. With just a few taps, the app can send and request money to and from your friends without the need to disclose your account number to anyone, regardless of which local bank they are with. With the app’s 24/7 fraud monitoring service, you can rest assured that your money is always safe and secure. Download for free on the App Store or Google Play


ANGEL Mastercard is a Hong Kong-issued stored-value card—also known as a pre-paid card—that users can top-up with HKD or RMB, and pay for anything where Mastercard is accepted. By using the app, you can manage everything from topping up the card with credit, to managing your card’s security by changing your pin code and tracking your transaction history.

Best of all, ANGEL Mastercard holders can also enjoy exclusive privileges and discounts offered by over 100 merchant partners, so the more you spend, the more you save! Download for free on the App Store or Google Play

FunNow – fun on demand

finance apps funnow

Available in Hong Kong, Taipei, Kuala Lumpur, Tokyo, and other places around Asia, the FunNow app offers exclusive deals and discounts to everything from hotel stays, to a relaxing spa day. Providing real-time info and instant booking services for a wide range of leisure and entertainment activities, the app guarantees low prices and high-quality services, so you can have all the fun you want, whenever, and wherever. Download for free on the App Store or Google Play

Manage your finances with more knowledge:

PPS on Mobile

finance apps pps

Sick of waiting in line at 7-Eleven to pay your utility bills? PPS is here to help. With over 800 merchants available, this electronic bill payment platform allows you to settle your credit card payments, water and electricity bill, insurance payments and even your tax bill! Simply register for a PPS account at any designated PCCW or Circle K branch, then assign your bill merchant code (usually indicated at the top or back of the bill notice) to your account, and will be able to stay on top of all your payments, bill schedules, and payment history—all within one app! Download for free on the App Store or Google Play

CurrencyFair Money Transfer

Do you need to send money back home or elsewhere abroad? Then the CurrencyFair Money Transfer App is just for you. Whether moving abroad, sending money home, paying university fees or transferring your pension, the CurrencyFair app endeavours to give you to best available rates. Avoid the hidden and excessive fees charged by typical banks and brokers, and save on your money transfers on the go. Download for free on the App Store or Google Play

gini – Spend tracker

finance apps gini

Keep track of all your spending and transactions with the ultimate spending tracker, gini. With its unique overview interface and easy-to-read graphs, the app automatically imports all of your daily transactions directly from your bank, enabling you to see where and when money has been spent, your monthly cash-flow, your biggest spends, total transactions, and much more. Download for free on the App Store or Google Play

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Jenny Leung

Former senior editor

Born in Hong Kong and raised in the UK, Jenny grew up with the best of both worlds. She loves just about anything to do with music and doesn’t shy away from belting out a tune or two when it comes to karaoke. If she’s not out and about exploring the city and practising her photography skills, she’s probably tucked up in bed with a book or glued to her laptop doing her online shopping.

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