Excellent
Just an excellent app. I’ve tried many apps of this category but Planto is the only one that is tailored for the Hong Kong market and has the most coverage, integrating bank accounts, Octopus, MPF, and more. That said, syncing can be pretty slow (understandable). Transactions on the Octopus card are in sync with the Octopus app, which has a lag of 1-2 days, which is annoying but not a dealbreaker. Some buttons on the UI can be less responsive than others. I’d also like to see the option to count positive cash flow as a “reverse expense” so they get subtracted from a spending category - in the case of splitting an expense with friends.