CentZero vs Outflow

Stop paying credit card annual fees you don't have to. CentZero tracks your credit cards, alerts you before annual fees are charged, and walks you through the exact steps to get them waived — phone IVR paths, in-app routes, and chat shortcuts for each bank. Designed for cardholders in Hong Kong and Taiwan, supporting 21 major banks and 170+ card products with verified fee data. SUPPORTED BANKS • Hong Kong: HSBC, Standard Chartered, Citibank, Hang Seng, Bank of China, BEA, Amex, DBS, CCB Asia, BOCOM, ICBC Asia, CITIC • Taiwan: CTBC, Cathay United, E.SUN, Taishin, Fubon, Mega, First Bank, Hua Nan, HSBC Taiwan FEATURES • Track all your cards — fee amounts, charge dates, waiver status • Push notifications 14 days before any fee is due • Step-by-step waiver instructions for every supported bank • One-tap call or deep-link into your bank's app • Scan your card to auto-detect bank and card type (on-device OCR, nothing uploaded) • Track loyalty points and miles with expiry alerts — Asia Miles, Avios, yuu, and 20+ programs 100% FREE No paywalls, no subscriptions, no hidden fees. Your annual fee savings are yours to keep. PRIVACY FIRST CentZero never stores card numbers or sensitive financial data. Card scanning is processed entirely on your device. Terms of Use: https://walkprints.github.io/CentZero/terms.html Privacy Policy: https://walkprints.github.io/CentZero/privacy.html

Outflow gives you complete clarity over your recurring spending — without surrendering your bank login, your data, or yet another monthly fee. NEW IN 6.0 • Made for iPhone Duo: edge to edge on both displays, folded or open. • iPad and Mac: list and detail side by side, two-column Overview and Trends, a menu bar with shortcuts, drag a statement in to scan it. • Now in German, with a new layered Liquid Glass icon. • Edit any past price; Trends counts each month at what you really paid. • FIRE goal (beta): see when your income could cover your minimum lifestyle. FIND WHAT YOU'VE FORGOTTEN A guided audit walks through every place subscriptions hide — Apple, PayPal, your statements, receipt emails — and on iPhone can find repeating payments in transactions already on your phone, using Apple's FinanceKit. You choose the accounts; nothing leaves your device; no bank login, ever. ON YOUR WRIST With Pro, Outflow comes to Apple Watch: this month's total and what's next, at a glance. SHARE WITH YOUR HOUSEHOLD Share chosen subscriptions with a partner over iCloud and split what each of you pays, so a joint bill counts towards your total by your share only — instead of being recorded twice in two apps and inflating both. Everything you don't share stays private to you. TRACK WHAT COMES IN A spending total is only half the picture. Track a salary, freelance work, rent or a pension alongside what you pay out, and see your real net position. No bank login needed: recurring income is predictable, so you enter it once. KNOW EXACTLY WHAT YOU PAY See your true monthly and yearly outflow at a glance, with a clean breakdown of where the money goes by category. NEVER MISS A RENEWAL Get a reminder before every renewal — same day, a day before, or up to a week ahead. No more surprise charges or forgotten free trials. CANCEL WITHOUT THE RUNAROUND Deciding to cancel is the easy part — finding where is not. Open any subscription, tap Cancel, and Outflow tells you what you'd save over a year, then takes you straight to the right page for that service. If it's billed by Apple, it says so, because deleting an app never stops those payments. Outflow then keeps a running total of what cancelling has saved you, growing every month (Pro). EFFORTLESS ENTRY, NO BANK LINKING Other trackers want your bank credentials. Outflow doesn't. Paste a receipt — or pick a screenshot or PDF of one — and on-device intelligence fills in the name, price and billing cycle for you. Or pick from a catalog of popular services and add one in seconds. PRIVATE BY DESIGN Everything stays on your iPhone. No account, no server, no analytics, no tracking. The App Store privacy label says "Data Not Collected" because there is genuinely nothing collected. SIRI & SHORTCUTS Ask Siri what's renewing soon or what your monthly total is, and add subscriptions by voice. ONE PURCHASE, YOUR WHOLE FAMILY Outflow Pro is a single one-time purchase, and it covers up to six family members through Family Sharing — each with their own private list on their own device. No family plan, no second subscription, no per-seat fee. FIND WHAT YOU'VE FORGOTTEN Nearly nine in ten people underestimate what they spend on subscriptions, and two in five have forgotten one entirely while still being charged. Outflow walks you through the four places they hide — your Apple Subscriptions, a bank statement, your receipt emails, and a list of the services people most often forget — and ends with the honest number: what you actually pay a year. No bank login, and nothing leaves your iPhone. PAY ONCE. OWN IT FOREVER. Outflow is free for up to 5 subscriptions, with reminders, totals and Siri included. Outflow Pro — unlimited subscriptions, Smart Paste, category insights, price-rise history and CSV export — is a single one-time purchase. A subscription tracker should never be a subscription.