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Money questions.
Sparked answers.

Pick a card, learn a concept, or read your own material — say it in plain words, and the AI answers from real data, not memory.

All HKcard database
7 topicsIFEC framework
In writinggaps flagged

Three modes, three ways to use them

One AI, three preset perspectives: card matching compares the live card database, learning explains financial concepts, and advising answers from the material you provide. Same capabilities — only the default emphasis differs.

Card match

Describe how you spend and the agent compares reward rates, annual fees and welcome offers across the live card database, then lists the best cards with reasons.

e.g. Groceries and dining — which card pays most?

Start card matching

Learn

Ask about financial concepts without buying anything: built on the IFEC seven-topic framework, with common misconceptions, official page pointers, and every figure dated.

e.g. What happens to existing MPF offset arrangements after abolition?

Start learning

Advisor

Paste in the parts of an insurance proposal, fund KFS or bank statement that you cannot make sense of; the agent sticks to the material you provide, says plainly which fields are missing, and lists what to ask before you sign.

e.g. Help me make sense of a policy proposal

Start with your material

Why you can trust it

Every answer comes from a live database lookup, not from what the model remembers.

  1. You speak plainly

    Describe your spending in Cantonese, Chinese or English — no forms, no filter criteria to work out.

  2. It searches the real card database

    Reward rates, annual fees and welcome offers are read from the card database on the fly; if nothing matches, the agent says so instead of inventing a card.

  3. Reasons come with a card snapshot

    Every card is shown with the snapshot used to recommend it, so the card name and every number trace back to the lookup.

  4. Apply straight away

    Each card links to the official or affiliate application page, so you do not have to compare sites yourself.

Frequently asked questions

What we charge, where our data comes from, and how we handle your data.

What is MoneySpark?

A financial AI assistant for Hong Kong: describe your situation in one sentence, and the agent answers along the direction you pick. Cards: compares reward rates, annual fees and welcome offers in a live credit card database, with reasons. Concepts: explains financial ideas through the IFEC seven-topic framework, dating every figure. Materials: answers only from the policy, fund KFS or statement text you paste in, and says plainly which fields are missing.

Does MoneySpark charge anything?

Free for users. We earn affiliate commission when you apply for a card, and we never charge you a fee.

Can I trust the recommendations?

All card data (reward rates, annual fees, welcome offers) comes only from live lookups against our card database; the AI never answers from memory. When a lookup fails it says so honestly instead of falling back to a rules engine.

Which languages are supported?

Cantonese, Chinese and English. Replies follow the language of your most recent message; the default interface language is written Chinese (Hong Kong).

Do I need an account?

No. Guest mode works immediately and keeps your conversations for 7 days from creation, with no renewal; signing in keeps them long term and syncs them across devices.

Will you tell me what to buy?

No. We provide information and side-by-side comparison only — no investment advice and no ordering on your behalf. Anything involving money or a signature is yours to decide after reading the official documents.

Can you help me read an insurance or fund policy?

Yes. In Advisor mode, paste in the text of a proposal, KFS or statement and the agent answers only from the material you provide, says plainly which fields are missing, and lists what to ask a licensed representative. We only store the text you paste in.

Does the AI understand Hong Kong's financial system?

Yes. It is built on the IFEC topic framework and covers local concepts such as MPF, the MPF offsetting abolition, tax-efficient alternatives, deposit protection and credit reports. In Learn mode every figure carries an as-of date, and stale figures point you back to the official page.

How is my data handled?

Your profile, memories, conversations and the material you provide can all be reviewed and deleted. We only store the text you give us, and guest data is deleted automatically 7 days after creation, with no renewal.

How many cards are in the database, and where do they come from?

Card data is compiled through a dedicated, regularly audited data pipeline covering Hong Kong issuers, and the count grows as the database is updated; see the card library for the current number.

Stop googling money questions — say it and get an answer.

No sign-up needed; cards, concepts and your own material are all answered from real sources, never from memory.