akart vs Debtfall

akart is a free debet card. You can activate it wherever you are with just one tap. akart will help you to manage all your financial transactions in a seamless manner: You will make contactless, in-app, online payments just with one akart, You will send money to your friends by name or phone number, avoiding typing 16 digits wrongly, You will send money to other bank cards very fast, You will earn monthly cashback or gigabyte bonuses on payments, without choosing any payment category Get akart wherever you are Activate akart in just a few simple steps: Type your mobile phone number Enter required ID information Pass the biometric verification Choose and repeat the PIN code to enter the application. To save time, allow Face/Touch ID. And all set up! Now it’s time to add your akart to Apple/Google Wallet and start to make contactless payments. Top up your akart with no commission. Open doors to convenient payments, top up your akart first. You can top up your balance either at the app, or at the nearest “eManat” terminals. To manage the process faster, save the other bank card from which you top up your akart. Make convenient payments with akart. Top up either your or any friend’s mobile phone balance, Pay for utility bills. In addition, activate the automated regime to pay on time, Make payments for Internet, TV, Phone, Government, Insurance, Parking, ASAN Services, Education, etc. Transfer money fast with akart It’s possible to transfer money from akart either to another akart by name or phone number, or to other bank cards in a fast manner. To make the process faster, you can save the card for further transfers. Earn monthly bonuses on payments. akart offers monthly cashback and gigabyte bonuses on payments without choosing a category. It’s possible to earn a maximum of 100 AZN cashback or 10 GB of internet based on your choice. Please find cashback bonuses here: 2% at supermarkets, pharmacies, petrol stations, and auto parts stores; 1% on mobile balance top-ups, Azərsu, Azərişıq, Azəristiliktəhcizatt, taxi, restaurants, entertainment, parking, clothes, and other categories. akart also has a partner network. If you want to know where you can earn more cashback by paying with akart, go to the app. For further information, you can check the akart.az website. The customer care center is always here to solve your questions and concerns. * 3443 You can support us in the improvement of the app with your feedback.

See your debt-free date — without giving anyone your data. Enter each debt once: balance, interest rate, minimum payment. Pick snowball or avalanche, and Debtfall answers the three questions that matter: When am I debt-free? How much interest will I pay? What happens if I pay a little more? WHY DEBTFALL • The what-if slider — drag "extra per month" and watch your debt-free date jump closer and the interest saved climb, live. • Snowball or avalanche — smallest balance first for motivation, or highest rate first for the math. One line explains each; switch any time. • Watch the curve bend — a balance-over-time chart shows your payoff against a minimums-only baseline, so progress is visible, not just numeric. • Log payments as you make them — balances update and the plan re-anchors to reality. Full amortization table for every debt. • Glanceable widgets — debt-free countdown and progress on your home and lock screen. Lock-screen widgets show progress and dates only, never balances, unless you say so. • Celebrate every zero — paying off a debt is a moment. Confetti, "1 down, 3 to go", and a new debt-free date. • Hopeful, not shameful — copy celebrates progress. No guilt, no red warnings, no lectures. PRIVATE BY ARCHITECTURE No account. No bank login — ever. Your financial data stays on your device: balances, rates, payment amounts and your debt-free date are never transmitted, and there is no backend to send them to. No ads, ever. Debtfall does collect anonymous usage and crash data — which screens are opened and what breaks — so a one-person team can tell what to fix next. It never includes a balance, a rate, a payment amount or the name of a debt. Turn it off any time in Settings. Free version includes every feature with up to 2 debts. Debtfall Pro (one-time purchase, no subscription) unlocks unlimited debts and CSV export of your payoff schedule. Debtfall provides estimates based on the numbers you enter, assuming monthly compounding. It is not financial advice.