Planto helped bring account aggregation to Hong Kong. NOVOX takes the next step: official-API connections, multi-currency net worth and brokerage sync — with fewer re-login interruptions.
Planto is a Hong Kong personal-finance app that aggregates accounts using a mix of Open API connections and credential-based methods, and users publicly report that some connections need frequent re-authentication. NOVOX connects through official aggregation APIs — Finverse for banks and SnapTrade for brokerages — and adds multi-currency net worth, real-estate and loan tracking, 7 languages and in-app trading.
Credit where due: Planto was early to account aggregation in Hong Kong, built around the HKMA Open API era, localized in English and Chinese, and it made many people in the city see all their accounts together for the first time.
The friction users describe publicly — in app-store reviews and finance forums — is a general property of credential-based aggregation: when a bank changes its login flow, layout or step-up authentication, scraped connections can break or demand another re-login, and balances go stale until you notice. That pain is not unique to any one app; it comes with the method.
API connections work differently: access is token-based and authorized by the institution, so it survives interface changes and does not store your banking password with a third party. And where a bank simply is not covered by the aggregator, you know upfront — instead of discovering a silently broken connection weeks later.
For investors in Hong Kong and Singapore the difference compounds: brokerage accounts at firms like Interactive Brokers sync as real positions via SnapTrade, HKD, SGD, USD and CNY sit in one multi-currency net worth, and property and mortgages live alongside the portfolio instead of in a spreadsheet.
Banks connect through Finverse — official aggregation APIs with token-based access, not stored passwords.
Brokerages like Interactive Brokers sync via SnapTrade, with in-app trading on supported brokers.
Multi-currency net worth: HKD, SGD, USD and 100+ currencies with live FX conversion.
Real estate, mortgages and loans tracked alongside investments and cash.
7 languages including full Arabic RTL, and a complete demo mode before you sign up.
Credential-based scraping logs in as you and reads the page, so it can break when the bank changes its login or layout and typically needs re-authentication. API connections are token-based and authorized by the institution, which makes them more stable and means your banking password is not stored by a third party.
NOVOX connects banks through Finverse, whose institution coverage varies by market. Open the demo mode to check the current list for Hong Kong and Singapore before you commit.
Yes. NOVOX is multi-currency by design — HKD and SGD accounts, USD brokerage positions and any manual assets roll up into one net worth with live FX.
Yes — native iOS and Android apps plus a desktop web app, with the same data everywhere.
Comparison based on publicly available information, app-store listings and user reviews as of 2026. Connection methods and institution coverage change — verify with each provider. NOVOX is not affiliated with Planto.
Download the NOVOX finance app to track your net worth, manage your portfolio, and stay on top of investments from one secure workspace on iOS and Android.
Rated 4.5 in app stores