Renewa vs Ethena Pay

Renewa keeps all your financial products in one place so you never miss a renewal, get caught on a bad rate, or pay more than you need to. UK households overpay £37,331 in their lifetime simply by sticking with the same providers. Auto-renewals quietly increase your rates year after year. Renewa puts you back in control. WHAT YOU CAN TRACK Borrowing: Credit cards, mortgages, and loans with balance tracking and interest rates. Insurance: Home, car, pet, life, and travel policies with renewal dates and annual premiums. Utilities: Gas and electricity tariffs with rate end dates and monthly costs. Bills and Subscriptions: Mobile, broadband, TV/streaming, and gym contracts. Vehicle Finance: HP, PCP, PCH, salary sacrifice, and more with end dates and monthly payments. Savings: Fixed rate, Cash ISA, Stocks and Shares ISA, Premium Bonds, and regular savings with maturity dates. SMART REMINDERS Renewa sends you reminders months, weeks, and days before your products expire or need renewing. Notifications are tailored to each product type and increase in urgency as the date approaches so you always have time to act. MONTHLY SUMMARY Receive a summary notification on the 1st of each month showing how many products are expiring soon, so you stay on top of your renewals without opening the app. AUTO BALANCE TRACKING Enable balance tracking on borrowing products and Renewa estimates your remaining balance each month based on your interest rate and payments. Watch your debt reduce over time. BUILT-IN CALCULATORS Four financial tools built into the app. The debt calculator shows the true cost of borrowing and the impact of overpayments. The salary calculator works out your take-home pay with accurate HMRC tax rates, National Insurance, student loans, and pension contributions. The budget planner helps you track income and expenses to find savings. The pension forecast projects your retirement pot based on contributions and growth. CALENDAR VIEW See all your upcoming renewals on a monthly calendar. Dates are colour coded by urgency so you can spot clusters and plan ahead. Tap any day to see what needs attention. YOUR DASHBOARD Products are colour coded by urgency. Red for expiring soon, amber for upcoming, green for safe, and blue for products with no end date. Focus on what needs attention first, with safe products tucked away until you need them. OVERVIEW AND REPORTS View your total debt, net worth, and spending broken down by category. Generate a PDF annual report with spending breakdowns to share with a partner or financial adviser. Export all your data as a CSV spreadsheet at any time. QUICK ADD WITH 235+ UK PROVIDERS Add products in seconds using pre-loaded templates for over 235 UK providers. Select your provider and Renewa fills in the details so you can get set up quickly. TAKE ACTION When a product expires, tap "I've renewed this" to update it instantly with pre-filled details. Set a reminder to come back later, or mark it as cancelled. Renewa makes it easy to stay in control. SECURE AND PRIVATE Your data is protected with PIN and Face ID authentication. Renewa does not connect to your bank accounts, access your transactions, or share your data with third parties. Everything you enter stays private. Renewa is completely free with no ads, no premium tiers, and no hidden charges. Whether you are tracking one credit card or managing a full financial portfolio, Renewa helps you stay ahead and keep more of your money.

ONE GLOBAL APP FOR YOUR MONEY; WITH EXCLUSIVE REWARDS. Save it. Send it. Spend it. And earn daily Boost on eligible balances while you do. Ethena Pay is a non-custodial wallet, which means your assets stay in your hands. Always. We're not a bank. We never hold your money. You do. The rollout starts now with daily boosts on your balance, crypto cashback and referrals. Join today and lock in early access to cards, instant transfers, and more. EARN BOOST WITH REFERRALS - Earn rewards for every friend you successfully refer; and your friend earns too - Climb reward tiers to unlock up to $5,000+ in total referral bonuses - Upgrade your card tier - Standard, Pro, or VIP based on successful referrals - Early-access spots for Pro and VIP cards are limited - claim yours while they last Referral bonuses are subject to eligibility and program terms. GET SET UP IN MINUTES - Sign up with just your email - no paperwork, no waiting - Secure your account with passkeys and biometrics - no passwords to remember - Add a PIN for an extra layer of protection EARN DAILY BOOST ON YOUR BALANCE - Earn Boost daily on eligible balances - Watch your Boost accumulate in real time - every single day - A smarter way to hold your money and digital assets in one app Boost is a rewards program, not interest or a deposit product. Rates, eligibility, and availability vary and are subject to program terms. SEND MONEY INSTANTLY - Send to any Ethena Pay user by username, anywhere in the world, with no fees - Transfer to any crypto wallet or withdraw to a bank account - Track every transaction with instant notifications SPEND GLOBALLY - Generate a virtual card to use in ApplePay in less than a minute - Earn crypto cashback on every transaction Network (gas) fees may apply to on-chain transfers. Supported chains may change over time. YOUR MONEY, YOUR CONTROL - Non-custodial by design - you hold your assets; Ethena Pay never takes custody of your funds - Passkey authentication - phishing-resistant, with no passwords to steal - Biometric login with Face ID or fingerprint - Encryption protects your data in transit and at rest - Built on transparent blockchain and stablecoin infrastructure DESIGNED TO FEEL EFFORTLESS - Clean, minimal interface - find what you need in seconds - Real-time notifications keep you in the loop LEGAL Ethena Pay is operated by Ethena Pay LTD. Ethena Pay is not a bank, and Ethena Pay LTD is not a licensed financial institution; certain payment and related services are provided by licensed third-party providers. Ethena Pay is a non-custodial wallet: you retain control of your digital assets at all times, and you are responsible for maintaining access to your account credentials and passkeys. Boost is a rewards program subject to eligibility requirements and program terms; it is not interest, a deposit, or a savings product, may change or be discontinued, and is not guaranteed. Daily Boost accrual depends on eligibility and program terms. Digital assets, including USDe, are not legal tender, are not insured by the FDIC or any government deposit-insurance scheme, and involve risk; their value can go up or down, and you may lose value. Features described as upcoming (including cards and instant transfers) are in development and subject to change. Availability of features and rewards may vary by region. Ethena Pay does not provide financial, investment, legal, or tax advice. Your use of Ethena Pay is subject to our Terms of Service and Privacy Policy. Registered address: 30/1 Kenilworth, Triq Sir Augustus Bartolo, Ta’ Xbiex, XBX 1093, Malta Contact: support@ethenapay.co Terms: https://wallet.ethenapay-api.co/terms Privacy: https://wallet.ethenapay-api.co/privacy