Planto helped bring account aggregation to Hong Kong. NOVOX adds brokerage sync, multi-currency net worth, and property and loans in the same view.
Planto is a Hong Kong personal-finance app that aggregates accounts using a mix of Open API connections and credential-based methods. NOVOX connects banks through Finverse and brokerages through SnapTrade, and adds multi-currency net worth, real-estate and loan tracking, 7 languages and in-app trading on supported brokers.
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 tends to survive interface changes. The method varies by bank and by aggregator — including the aggregators NOVOX uses — so check how your bank connects in the demo before you commit.
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's own secure login — NOVOX never sees or stores your banking password.
Brokerages like Interactive Brokers sync via SnapTrade, with in-app trading on supported brokers.
Multi-currency net worth: HKD, SGD, USD and more, 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. API connections are token-based and authorized by the institution, which tends to be more stable. The method depends on the bank and the aggregator, so check how your bank connects in the demo before you commit.
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 October 2026. Connection methods and institution coverage change — verify with each provider. Planto is a trademark of its owner; 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.