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Otter.ai vs Granola for Australians 2026 — the workhorse or the calm one?

Otter is the long-standing transcription workhorse with a generous free tier and live captions. Granola is the newer, bot-free option that listens locally and writes sharper summaries. Here's the honest head-to-head for an Australian buyer — pricing, residency, consent and who buys which.