IDBI Soft Token vs SplitCircle AI Expense Tracker

OTP generated through this application is an alternative to SMS OTP, for authenticating transactions/requests in IDBI Net Banking. It enables you to generate OTP from mobile based application in lieu of SMS OTP sent by Bank on registered mobile number. This option eliminates the need to have mobile coverage, non-receipt or delayed delivery of SMS OTP. It is a convenient way of generating OTP instead of waiting for the SMS OTP. In order to use the facility, you need to complete the registration process. You need to login to internet banking and request for soft token registration. The registration option is available in the My Profile section under “Security” tab named as “Soft Token Registration”. Upon submitting the registration request, you will receive activation code through SMS. If activation code is not received, you can also regenerate using “Soft Token Activation Code Regeneration” option in net banking . Once you receive the activation code, you can complete the activation process of this application on your mobile by providing details such as customer ID and internet banking login id. Upon submission and verification of user details, activation to IDBI Soft Token will be completed. Now you can start using soft token based OTP for authorizing financial transactions/ requests. Benefits: · The OTP generated is offline. Hence there is no need to be on mobile network. · No need to wait for OTP sent over SMS. Important Instructions: · You need to register for availing this service. Kindly initiate registration process from net banking. · You will need activation code, Customer ID and login details to enable net banking channel. · Select SIM having registered mobile number for activation process. · Every time you need to provide Pass code to generate Soft Token Based OTP from APP. · In case you forget the pass code, Please re-initiate the activation process.

Split Circle is an AI-powered expense manager designed for shared expenses. Split bills, track spending, scan receipts, manage budgets, and settle balances with friends, roommates, couples, families, and travel groups. Powered by AI, Split Circle helps reduce manual work and keeps shared expenses organized in one place. WHY CHOOSE SPLIT CIRCLE? • AI Expense Assistant — Add expenses, ask questions, and manage spending using natural language. • AI Receipt Scanner — Scan receipts and automatically extract amounts, merchants, and dates. • Flexible Bill Splitting — Split expenses equally, by amount, percentage, shares, or individual items. • Simplified Settlements — Reduce the number of payments required to settle group balances. • Budget Management — Create budgets and monitor spending in real time. • Offline Support — Add expenses without an internet connection and sync later. • Multi-Currency Support — Track expenses across different currencies for travel and international groups. • Privacy & Security — Protect your data with Face ID, Touch ID, PIN protection, and biometric authentication. SHARED EXPENSE TRACKING Track expenses across all your circles and keep balances organized in one place. FLEXIBLE BILL SPLITTING • Equal • Exact Amount • Percentage • Shares • Items Support multiple payers and backdated expenses. OFFLINE SUPPORT Add expenses while traveling or when you don't have internet access. Your data syncs automatically when you're back online. SIMPLIFIED SETTLEMENTS Split Circle calculates settlement paths that can reduce the number of transactions between group members. RECEIPT SCANNING Attach photos to expenses. Pro includes OCR receipt scanning that can extract receipt details such as amount, merchant, and date. BUDGET TEMPLATES • Household • Travel • Wedding • Event • Business Trip • Monthly Groceries • Vacation • Birthday Party • Student • Fitness 60+ CURRENCIES Track expenses across different countries and regions. DATA IMPORT Import groups using CSV, including expenses, balances, and members. APP SECURITY • PIN Lock • Face ID • Touch ID • Fingerprint Authentication • Auto-Lock Options PERFECT FOR • Roommates • Friends • Couples • Families • Students • Travel Groups SPLIT CIRCLE PRO • AI Expense Assistant • OCR Receipt Scanning • Itemized Bill Splitting • Recurring Expenses • Personal Budgets • Group Budgets • Budget Approval Inbox • Advanced Analytics SUBSCRIPTION OPTIONS Split Circle is free to use with optional paid plans: • Split Circle Pro Monthly • Split Circle Pro Annual • Split Circle Pro Lifetime • Payment will be charged to your Apple Account at confirmation of purchase. • Subscriptions automatically renew unless auto-renewal is turned off at least 24 hours before the end of the current subscription period. • Your account will be charged for renewal within 24 hours before the end of the current subscription period. • Subscriptions may be managed and auto-renewal turned off in Apple Account Settings after purchase. • Split Circle can continue to be used without a subscription. Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms of Use: https://split-circle.com/en/terms Privacy Policy: https://split-circle.com/en/privacy