MONETA Smart Banka vs Splitwave

Smart Banka app is a free mobile banking app which offers quick and easy way to manage your bank accounts from your phone. You can open our Tom checking account without the need to visit one of our branches. You will have easy access to our services, check your balance, make payments, top up your credit, or find the nearest branch. You can log in using a PIN or via Touch ID. Your PIN will also be used to confirm payment orders which eliminates the need for mobile confirmation. Both downloading and using the app is completely free of charge. How to? Download the app from your App Store, pair with your Internet Banka using the instructions within the app, and start using it. Is it safe? Yes. Digital attacks are very complicated. Logging into the app and payment orders are protected by 4-8 digit PIN number which only you know. Smart Banka also uses encrypted communication with the bank servers. What will you find in the Smart Banka app? • Option to open a checking account without visiting our branch • All your current balances including Bene+ • Transactions • Payment orders • Option to use a payment template or a QR code • Notices about unpaid bills and overdue payments • Map of ATMs with the option to filter out direct deposit ATMs • Credit top up • Temporary or immediate card blocking or unblocking in case of theft or loss • Changing card limits • Overview of your loans • Your investment product development • Current exchange rates • Managing user accounts (private, company, or eDisponent)

Splitwave is a free expense-splitting app for groups and trips - no ads, no subscriptions, no third-party servers. Your data lives on your device and syncs privately through your own iCloud. SPLIT ANY BILL, ANY WAY • Equal, exact amounts, shares, or percentages • Multiple payers on a single expense • Split math is exact to the cent SCAN RECEIPTS Point your camera at a receipt, and Splitwave reads the line items. Assign each item to people, add tax and tip, and split the itemized bill fairly. (beta) SETTLE UP SMARTER Splitwave computes who owes whom and simplifies the debts down to the fewest possible payments. Hand off a payment with a single tap. TRAVEL-READY • Every expense can be in its own currency • Balances are tracked per currency • Live exchange rates convert totals for display, so you always know where you stand SHARE WITH YOUR GROUP Invite friends straight from iMessages. Everyone in a shared group sees the same expenses, gets notified of new activity, and can add their own. All synced through iCloud, private to your group. WORKS OFFLINE Splitwave is local-first: everything works with no connection. Add expenses on a plane or abroad; they sync when you're back online. MORE • Home-screen widget with your balances at a glance • Activity feed - a running log of every change • Spending analytics and per-group budgets • Sign in with Apple - no email signups, no passwords PRIVATE BY DESIGN No accounts on our servers, because there are no servers. No ads, no tracking, no analytics companies. Your expenses sync through your personal iCloud and are shared only with the people you invite. Built entirely on Apple technology, exclusively for iPhone. Splitwave is free, with everything included. Forever.