MoneyBe vs SMBC MultiCash Mobile Token

Own your financial data, track your money privately, even when offline. PRIVACY & SECURITY Your financial data is yours. • Data stays in an encrypted container on your device. • No third-party SDKs or data sharing. • Lock access with Face ID and blur the screen when switching apps. • No sign-up, no email required. EVERYDAY TRACKING All you need, right on the main screen. • See total income, expenses, and balances across all accounts at a glance. • Add transactions fast with templates and long press actions from the Home Screen. • Unlimited categories, sortable by usage or color. • Find any transaction instantly by name, amount, or comment. • Multi-currency support with automatic total conversion and rates updated twice a day. REPORTS & BUDGETS Track and analyze your spending. • Set budgets for specific categories and track progress with a quick widget check. • View clear reports on income, expenses, and net balance over any date range. • Filter by account, category, or project for detailed breakdowns. • Use Projects to monitor cash flow for a business, event, or debt. DATA CONTROL & BACKUP Maintain full control over your financial records. • Automatic backups for up to 10 days plus manual save options. • Store backups on device or iCloud Drive. Import and share them. • Export to CSV for external analysis. SUPPORT Need help? We are here. • Write to us directly from the app. • We always read and respond to all your messages. Terms of use https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

As part of SMBC Group’s commitment to online security and excellent Customer experience, we have introduced the “SMBC MultiCash Digital Token” app. The app provides significantly enhanced security features when compared to traditional OTP generating token and delivers an improved login experience through secure authentication. Further, the app allows for the “Dynamic Linking” of payments by letting approval users validate and digitally sign payment details “out of ban”, thus providing enhanced protection against fraud. When you approve E-payments, the contents are sent to the SMBC MultiCash Digital Token App for signing by the scanning of a “Cronto Image” that contains details of the payments you have selected for approval. By scanning this “Cronto Image” into your SMBC MultiCash Digital Token app, it can display the payment information and will allow you to sign them by inputting a response generated by the mobile app. This means that when the Bank receives payment orders, the system can verify that they are genuine. The App only reads the data already available to you at the time of authorisation. This data is never stored on the phone or is viewable other than when you access the app at the point of authorisation. No transaction history is ever available on the mobile device.