Ockto vs Ugh, Bills

Share your data without the hassle An organisation asks you to provide personal or financial data. That can feel like a lot of work. With Ockto, you handle it quickly, safely and in just a few minutes. Download the app and log in with your DigiD or bank to the organisations you want to share your data with. Ockto only collects what’s needed. Nothing more, nothing less. You immediately see a clear overview of your data. You check it, give your consent, and you’re done. Ockto then delivers your data directly to the organisation that needs it. Safe, accurate and fully compliant. Ockto stores nothing and logs you out automatically. This allows the organisation to assess your application right away. So you quickly know where you stand. How it works You receive a QR-code or link from the organisation you want to share your data with. Scan the code with the Ockto app or click the link to get started right away. Ockto guides you step by step through the right sources. You log in yourself using familiar environments, such as your bank or DigiD. Do you have a partner? They can log in as well to add their data. Within minutes, everything is ready. You stay in control. Why Ockto Share data directly from the source No more manual entry Fewer errors and missing information Faster processing of your application Safe and in your control You decide if and when to share your data. Nothing happens without your consent. Ockto does not store your data. After use, everything is automatically deleted. We operate in line with applicable laws and regulations and are supervised by the AFM. Your data is in safe hands. Why the app needs access to your camera You often start from a website on your laptop or desktop. A QR-code creates a secure connection with the app. That’s why Ockto uses your camera: only to scan the QR-code. Want to know more? Find answers to frequently asked questions at www.ockto.eu/faq

Ugh, Bills helps you understand what your money needs next without building another budget you have to maintain. SEE THE SHAPE OF YOUR MONTH • A clear Money Brief explains how much income is already committed • Payday Runway shows what remains after known bills before your next deposit • Calendar and forecast views make upcoming obligations visible • One Thing mode gives you a single next move FIND THE PROBLEMS HIDING IN THE TOTALS • Detect bills that cluster before payday • Surface cost increases and quiet subscription leaks • Turn annual and quarterly bills into realistic monthly reserves • Track recorded fees and financial friction without shame KEEP BILLS OUT OF YOUR HEAD • Add bills manually in seconds • Capture rough thoughts such as “electric about 120 midmonth” • Get timely reminders before bills are due • Mark payments and build an honest on-time record • Use shame-free wording when you need facts without judgment ALMANAC PREMIUM Connect bank and card accounts securely through Plaid so Almanac can find recurring bills, detect income, keep balances current, and update insights automatically. Manual bills, calendars, reminders, income, and core insights remain free. Almanac is a planning and tracking tool. It does not move money, pay bills, provide financial advice, or guarantee account balances. Pending transactions and spending outside Almanac can change projections. End User License Agreement: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/