BM Business Token vs Barnacle Subscriptions

BM Business Token is a secured solution for generating One Time Password (OTP) needed to securely authorize the online banking transaction without the need to carry a physical token device , once you download the application , you will activate it then no internet access is required to use the application after its activation.

Barnacle tells you what your subscriptions cost each month, and warns you before the next charge lands. Add what you pay for. Barnacle adds it up, sorts it by what charges next, and reminds you a few days ahead so a renewal never arrives as a surprise. Typing a name fills in the usual price from a catalogue of 243 services. Nothing leaves your phone. No account, no sign-in, no servers. Your subscriptions live in a database on this device and are never uploaded. There is no analytics package and no crash reporting, so there is nothing to opt out of. What you get: Every subscription in one monthly figure, with the next charge on top Reminders before a renewal, and before a free trial converts A record of what you were actually charged, kept even after you cancel Where the money goes, by category and by person Price rises, so you can see what quietly went up Encrypted backup you can move between phones Face ID lock Barnacle tracks five subscriptions free. The unlock is paid once, not a subscription, and removes the limit. A note on cancelling: Barnacle records that you cancelled, it cannot cancel for you. No app can. It links you to the company's own cancellation page and says plainly that they keep charging until you tell them otherwise.