Currencies Direct vs Collect.

Send and spend seamlessly – with great rates and zero transfer fees. More than 120 countries. Over 20 currencies. Our simple, secure currency transfer service and multi-currency card make sending and spending money abroad as easy as opening your wallet. GET THE RATE YOU WANT • Check live exchange rates and make transfers 24/7 • Buy your currency when you like the rate • Store it in a secure multi-currency wallet • Send it whenever you need to • Pay by card or bank transfer MULTI-CURRENCY DEBIT CARD • Seamless spending in over 200 countries with no monthly card fees – use your card wherever Mastercard® is accepted • Pay in GBP, EUR, USD, AUD, CAD, NOK, SEK, DKK, AED, PLN, CHF, CZK, HKD, ILS, JPY, SGD, THB, NZD and ZAR directly from your currency wallets – enjoy great rates when spending in other currencies • Stay in control with our app and instant notifications Please note, our currency card is currently only available to customers living in the UK, Ireland, France, Spain, Portugal, Norway and Sweden. PREFER TO TALK TO A HUMAN? • We’re here for you – with award-winning one-to-one support • We’re rated five stars on Trustpilot BANK-BEATING EXCHANGE RATES* *We help our customers save money on their transfers with exceptional exchange rates (we compare against the banks every month using the International Money Transfer Index IMTI™). Visit our website for more information. LIST OF SUPPORTED CURRENCIES • AED • AUD • CAD • CHF • CZK • DKK • EUR • GBP • HKD • HUF • ILS • INR • JPY • MXN • NOK • NZD • PLN • RON • SAR • SEK • SGD • THB • USD • ZAR – you must be registered with Currencies Direct South Africa to sell ZAR OUR AUTHORISATION We are licensed in multiple countries. You can find all of our licensing information on our website: https://www.currenciesdirect.com/en/info/regulatory-information Terms and conditions: https://www.currenciesdirect.com/en/info/terms-of-use Privacy policy: https://www.currenciesdirect.com/en/info/privacy-policy Security of funds: https://www.currenciesdirect.com/en/personal/transfer-money-overseas/safety-of-your-funds Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Cards provided to EEA residents are issued by Transact Payments Malta Limited and cards provided to UK residents are issued by Transact Payments Limited pursuant to licences by Mastercard International. Transact Payments Malta Limited is duly authorised and regulated by the Malta Financial Services Authority as a Financial Institution under the Financial Institution Act 1994. Registration number C 91879. Transact Payments Limited is authorised and regulated by the Gibraltar Financial Services Commission. In the UK electronic money is issued by Currencies Direct Ltd which is authorised by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations 2011 (FRN: 900669). In the EU electronic money is issued by Currencies Direct Spain, E.D.E., S.L. which is authorised by the Bank of Spain as an Electronic Money Institution under Law 21/2011 of 26 July and Royal Decree 778/2012 of 4 May (Registration No: 6716).

Collect helps savings groups organize contributions, review member balances, and keep credit-readiness records in one mobile workspace. Members create a contribution request, review the approved beneficiary, amount, and unique reference, then authorize a SEPA bank transfer in their banking app. Collect never asks for banking credentials and never initiates or signs a transfer. A contribution is recorded only after controlled bank evidence and the daily statement reconcile. Groups can track collections, member participation, bank-transfer evidence, exceptions, and account status without relying on scattered chat messages or paper notes. The app is designed for savings groups and administrators that need a clearer record of who contributed, what changed, and what still needs follow-up. Key capabilities: - Savings group overview and member activity tracking - Bank-transfer contribution and reconciliation review - Credit-readiness records for organized group review - Shareable group context for coordination - Account and privacy controls for members Collect is operated by IKANISA LTD for organized savings, contribution tracking, and credit-readiness recordkeeping. Collect is not a bank or wallet and does not provide credit or custody customer funds.