CIB OTP Token vs Renewell

CIB OTP Token allows you to generate a One Time Passcode need to authorize 3rd party transactions outside own accounts on the Online Banking platform for the Commercial International Bank (CIB) Egypt.

Renewell tells you what you pay for, what renews next, and what the whole lot costs you a year. No bank connection. No account. Nothing leaves your phone. Most subscription apps want to read your bank statements first. Renewell does not. You enter what you pay, and it does the arithmetic and the remembering from there. WHAT IT DOES • Adds up every subscription into a monthly and a yearly total • Warns you before each charge, so a renewal is a decision instead of a surprise • Warns you before a free trial converts, which is where the money usually goes • Tracks price rises, so you can see what a service quietly costs you now against what you signed up for • Handles weekly, every 2 weeks, monthly, every 3 months, every 6 months, yearly, and any custom number of days REMINDERS THAT ARRIVE IN TIME A yearly renewal takes more than a day to act on, so longer cycles are flagged further ahead. You get 14 days on an annual, 2 on a monthly, and you can change any of it. Pick the hour they arrive. If three things renew on the same day, that is one notification, not three. INSIGHTS WORTH LOOKING AT • The next 12 months, month by month, so you can see where the annual renewals land • Where it goes, by category • Biggest for the year, ranked, which is rarely the one you expect • Your monthly total over time, as you have added and changed things EVERY CURRENCY Each subscription stays in the currency it is billed in. Only the totals and charts convert, using a public exchange rate table. Anything the feed does not cover uses a built in estimate that you can replace with a rate of your own. ON YOUR HOME SCREEN A widget for what renews next and what this month comes to. PAUSE INSTEAD OF DELETE Cancelled something, or stopped it for the summer? Pause it. It drops out of your totals but keeps its history, so the record of what you used to pay survives. PRIVATE BY DESIGN • No account and no sign in • No bank or card connection, ever • No ads, no analytics, no tracking • Your subscriptions are stored on your device, not on a server The only thing Renewell downloads is a public exchange rate table, which is the same for everyone and says nothing about you. YOUR DATA, YOURS TO MOVE Because nothing syncs to a server, you can export everything to a file and import it again on a new phone. It is your list. Take it with you. Free, with no in app purchases and no subscription. An app about subscriptions should not sell you another one.