Know exactly what to pay this payday. Every Philippine credit card, one private app.

HiveCard reads your card statements for you, straight from Gmail or from a PDF, and turns them into one calm answer: what is due, what is safe to spend, and which card to pay first. Your data stays on your phone. No bank login, no cloud, no server.

WORKS WITH YOUR BANKS
BPI, BDO, Metrobank, UnionBank, RCBC, EastWest, Security Bank, China Bank, HSBC, PNB and AUB. Password-protected and scanned statements included.

STATEMENTS THAT IMPORT THEMSELVES (Premium)
Connect Gmail once. HiveCard looks for new e-statements from your banks, downloads the PDF and tells you when one is ready to review. It remembers each card's PDF password, so the next statement opens on its own. Switch on auto-import and statements HiveCard is sure about go straight to the card, no tap needed.

HiveCard only reads statement emails from known bank senders. It never sends, moves or deletes mail, and nothing from your inbox leaves your phone.

OR IMPORT A PDF IN SECONDS
Open the statement PDF and HiveCard detects the bank, pulls out every transaction and sets your statement and due dates. You review before anything is saved.

KNOW WHAT TO PAY THIS PAYDAY
• Safe-to-Spend: what is left after dues, bills and your reserve, built around 15th and 30th pay dates
• Smart Payment Plan (Premium): what to pay now, what can wait for income, what is uncovered, and which card to pay first to lose the least to interest
• Debt payoff timeline with interest-savings projections (Premium)
• Next-bill widget on your home screen

NEVER MISS A DUE DATE
Reminders for statement closing, due dates, utilization and overdue, timed to Philippine banking days so a holiday or weekend never catches you out. One tap opens your bank app, GCash or Maya to pay.

SEE WHERE THE MONEY GOES
• Auto-categorization that knows local merchants: GrabFood, Foodpanda, beep, MRT/LRT, NLEX/SLEX, Petron, Shell, SM, Robinsons, Mercury Drug and more
• Spending across all your cards, by category and by month
• Anomaly alerts when a charge does not fit your own pattern (Premium)
• Per-bank fees and card perks, so you know what each card really costs
• Multi-currency: foreign charges (USD, EUR, SGD and others) on your PH cards shown in both the original currency and the settled peso amount
• Cash bills too (Meralco, internet, rent), so Safe-to-Spend reflects real life

PRIVATE BY DESIGN
Everything lives in an encrypted database on your phone. No cloud sync, no server, nobody reading your spending. Lock with PIN or fingerprint. Back up to an encrypted file you control. Export every transaction to CSV or delete everything, any time.

FREE AND PREMIUM
Free: 2 cards, PDF import, categorization, due-date reminders, Safe-to-Spend.
Premium: unlimited cards, Gmail auto-import, Smart Payment Plan, payoff timeline, anomaly alerts and full history CSV export. 14-day free trial. Manage or cancel any time in Google Play.

BUILT IN THE PHILIPPINES
Made by a solo Filipino developer tired of finance apps that do not understand pesos, semi-monthly pay or holiday-shifted due dates. Got a statement that will not parse? Tell us in the app. Every message is read.