Monese vs Yi An

Monese is the banking alternative you’ve been waiting for. We’re the money app that helps you budget smartly, spend wisely and switch between currencies in a flash. Whether you need a GBP, EUR or RON account (or all 3!), you’ll be able to manage your money straight from your phone and enjoy the flexibility to live, work, travel, study and thrive wherever life takes you. We even have business accounts! Join over 2 million people and open a Monese mobile money account today. It’s simple, fuss-free and easy – so how does it work? • Open a GBP, EUR or RON account, straight from your phone • Easily switch between currencies and manage your money all in one place • Get a contactless Mastercard debit card you can use globally – online, in-store or at ATMs • Spend abroad with no extra fees on card spending and ATM withdrawals • Quickly send and receive money locally and internationally in multiple currencies • Create a virtual card and pay online or in-store for an extra layer of security • Open a joint account to easily spend, share and save with a loved one, roommate or friend With our feature-rich smartphone app, you’ll also get: • Real-time notifications: Instant updates whenever you use your account • A detailed spending overview: Full transparency around your transactions • Savings pots: Put money aside for something special • Apple Pay: A fast, easy and secure way to pay with your Apple Pay • Automatic Direct Debits and recurring payments: the easy way to pay for things like mobile phone contracts, rent, or gym memberships Plus, you can also: • Build your credit score: Use Credit Builder to grow your credit history and savings at the same time (UK only) • Link your PayPal account: Manage your PayPal balance and transactions from Monese, and add your Monese card to your PayPal wallet • Enjoy state-of-the art security features: 3D Secure, card locking, strong encryption and biometric login • Get instant account statements in PDF or XLS whenever you need Enjoy the convenience of being able to send and receive money straight from your phone, get your salary paid in, set up Direct Debits and recurring payments, all while maintaining a complete overview of your earning, spending and saving. Withdraw cash from ATMs worldwide for free, within generous allowances, and add money to your account by bank transfer, debit card, or with cash at over 84,000 locations in the UK, Austria, Belgium, Bulgaria, France, Luxembourg, the Netherlands, Poland, Portugal or Spain. You can open an account with us regardless of your citizenship or financial history, as long as you’re at least 18 years old and live in the European Economic Area (EEA).

APP INFORMATION Our mission focuses on making your day-to-day banking and financial problems easier. To this end, we are launching YI AN, digital Neobank, where you can make all the financial operations you need from your Mobile APP. Sign up for your Heritage or Nature card with UnionPay brand, and start making the most of your financial freedom: - IBAN account - Insurance included with your card (travel, legal assistance and secure shopping) - Mobile payment via HCE technology - Instant money transfers and payments. Both national and international: Mastercard Send and Visa Direct and soon Money Express (from UnionPay). - Cash in and cash out at local merchants with Viacash. - Loyalty and rewards programmes through cashback with Woowbe. You can manage all your transactions from your mobile phone securely, purchase in physical shops, online, and activate or deactivate your card whenever you need to. It's very simple. Download the app and sign up easily and securely for your UnionPay branded card. All you need is your valid ID card or passport. You can choose between a physical card or a virtual card and start using it immediately. If you have any questions, our customer service will be happy to help you. You can find more information at yianpay.es