VietQR scanning
Static and dynamic codes, decoded to the EMVCo spec on the phone itself. No API call to anybody, and no camera frame sent anywhere.
Scan. Pay. Saved.
You already scan a QR code to pay. PayNote writes the expense while you do it.
Point the camera at the VietQR code on the counter and your own banking app opens with the account and the amount already filled in. Transfer as usual, come back, tap once — and the expense is in your book with the right date, payee and amount. Nothing to retype, nothing to remember and enter tonight.
Coming soon toApp StoreGet it onGoogle Play
- No account
- Works offline
- No ads
In12,500,000 ₫
Out8,320,000 ₫
Left4,180,000 ₫
Scan QR& pay−Expense+IncomeHistory
Recent transactionsSee all
- Corner CoffeeFood · today−65,000 ₫
- MinimartShopping · yesterday−120,000 ₫
- Ride homeTransport · 02/08−85,000 ₫
- SalaryIncome · 01/08+12,500,000 ₫
HomeStatsBudgetMore
65,000 ₫×
1234567890000⌫
Pick a category
🍜Food☕Coffee🚕Transport🛒Groceries💡Bills🛍️Shopping
Corner Coffee×
Save expense
The core flow
Four steps, and the third one is yours
Scan the code, transfer in your banking app, come back and tap once. The third step is yours, because you are the only one who knows for sure that the money has gone.
Scan the VietQR code
The printed code at the counter with no amount on it, or a dynamic one with the amount already set — both are read. The app works out the account number, the receiving bank, the amount and the transfer message for you.
Your banking app opens
PayNote passes what it just read straight into your banking app. Five banks accept every field prefilled; for the rest the app opens and the account number is already copied for you to paste.
You confirm you paid
Come back to PayNote and tap once: the entry goes from pending to complete. You are the only one who knows for sure that the money has gone, so this step is yours.
The expense is in the book
Right date, right payee, right amount, already filed under a category picked from the payee name. Not a single character retyped.
This whole flow is free and uncapped, in Basic as well as in PRO.
Numbers
Four figures you can check
- 65
- Vietnamese banks recognised by BIN
- 5
- banking apps that accept prefilled transfer details
- ~55
- packaged categorisation rules, and no AI
- 0
- bytes of your data sent off the phone
Only five banking apps accept prefilled details — that is the list VietQR opens up, not a choice of ours. For the other 28, PayNote opens the app and copies the account number ready for you to paste.
Features
An expense book that stays simple
Enough to see where the month went, and it stops well before turning into accounting software.
Knows 65 banks
The bank directory ships inside the install and is looked up by BIN, so you see the real name of who you are about to pay before you pay them.
Categories from readable rules
About 55 glob rules covering the payee strings people actually see in Vietnam. Readable, editable, and not a guess — PRO also learns from the times you correct one.
Budgets and limits
A limit for the month and a limit per category, with a warning before you go over. Free in full, per-category limits included.
Runs offline
No sign-up, no login, no server holding your book. In a basement car park with no signal it records exactly as it does anywhere else.
The data is yours
CSV export that opens in Excel, free. PRO's encrypted backup uses the same format as the iOS build, so a move between the two platforms restores the whole book.
Four things worth knowing before you install
These are the app's real limits. Knowing them now costs nothing; finding them out at the counter with your phone in your hand costs something.
- Only five banking apps prefillMB, VietinBank, BIDV, ACB and OCB. For the other 28, PayNote opens the app but you still paste the account number — which it has already copied for you.
- PayNote cannot tell whether you paidPayNote never stands between you and your bank, so it cannot tell whether the money has gone. You tap to confirm, and until you do the expense sits as pending.
- The book lives on exactly one phoneThat is why nobody else can read it, and also why losing the phone loses the book if you have not exported a backup. There is no server copy for us to restore.
- PayNote does not move moneyYour banking app does. PayNote never sits in the middle, never sees your balance, is not a wallet and never holds a single dong of yours.
Pricing
One payment, yours forever
No ads in either plan. Scan → pay → logged is free and uncapped: it is the part that makes PayNote what it is, so it does not sit behind a paywall.
Basic
Freeno ads
A complete expense book, not a trial.
- VietQR scanning, deeplinks for 65 banks, confirm and save
- Unlimited transactions
- Categories, history, daily and monthly statistics
- Budgets, per-category limits included
- ~55 packaged categorisation rules
- CSV export
- 2 wallets
- Unlimited wallets
- Advanced reports
- Encrypted backup
- Learned categorisation
PayNote PRO
99,000 ₫one payment · yours forever
Not a subscription; nothing auto-renews. A 7-day trial is included, no card required.
- Everything in Basic
- Unlimited wallets — cash and each bank keep their own balance
- Month-on-month and six-month trend reports
- Encrypted backup and full restore
- Categorisation that learns the shops you visit
Buying on Android and buying on iOS are two separate purchases: no account joins Google's store and Apple's store together.
FAQ
Questions people ask
Does it need a connection?
Not to keep your book. You can scan, log expenses and read your statistics anywhere, including a basement car park with no signal. A connection is used when your phone opens your banking app to make the transfer, and when you buy PRO.
Does PayNote read my SMS or my bank notifications?
No. It asks for the camera so it can scan QR codes, and it still works if you say no — you then type amounts in by hand, like any other expense book. It never asks to read your messages, notifications, contacts, location or photos.
Why do I confirm the payment myself?
Because the money is moved by your banking app, not by PayNote. We are never in the middle, so we cannot see your account and cannot know when your transfer went through. The expense is written down as pending before you switch to your bank; one tap when you come back finishes it — faster than typing it in again, and you stay the one who decides what counts as paid.
Does my book survive a new phone?
Yes, if you have exported a backup — that is a PRO feature. The file uses one format for Android and iPhone, so a move in either direction restores it. Your data lives only on your phone, with no copy on our servers, so export a backup before you switch or sell a device.
Is PRO an annual charge?
No. You pay once and keep it, and nothing renews by itself. If the price goes up later, everyone who already bought keeps what they have.
Are there ads?
None, in the free version or the paid one. Advertising only works by following people around, and PayNote was built not to follow anyone.
Get the app
Log the next code you scan
Usable the moment it installs: no sign-up, no login, no screen asking for your email.
Coming soon toApp StoreGet it onGoogle Play