ZKB TWINT vs Keel

ZKB TWINT, the Swiss payment app. With ZKB TWINT, Zürcher Kantonalbank’s free payment app, you can pay conveniently and securely at the checkout, in online shops or among friends. One app, many advantages: - Fast: Send, receive and request money around the clock in real time – from smartphone to smartphone. - Convenient Easy payment in online shops, at supermarket checkouts, in canteens and at vending machines. - Straightforward: Register in just a few steps using the ZKB Mobile Banking app or ZKB Visa Debit Card. - Free of charge: Using ZKB TWINT is free of charge; no transaction fees are incurred. - Secure: Access the app using a six-digit numerical code (PIN), fingerprint (Touch ID) or face recognition (Face ID). ZKB TWINT also fully meets the security standards of Swiss banks. - Simple: Debits are charged directly to your bank account. The app does not have to be topped up with money first. - Widely accepted: Whether among friends, at tills, in restaurants or online shops – you have everything you need with Switzerland's leading payment app. - Flexible: The ZKB TWINT app shows you the current limits and the amount still available. You can adjust your limits yourself with just a few taps, with immediate effect. - Transparent: Thanks to the full-text search, you can quickly find your ZKB TWINT transactions in the history section – you can search by contact, merchant name, telephone number or message. One app, many functions: - Send and request money: ZKB TWINT allows you to transfer money in real time – simply from smartphone to smartphone. And you can request and receive amounts from friends or family members. Adding a photo and a few nice words allows you to make your message personal and friendly. - Pay simply and conveniently: ZKB TWINT lets you pay in online shops, at supermarket tills, in canteens and at vending machines. - Twint parking fees: Start the parking process directly from the app or scan the QR code on the parking meter and select the desired parking time. Practical: If you return earlier than planned, simply cancel the parking time and the outstanding amount will be refunded to you. - Donate: With ZKB TWINT, you can pay for your donation to numerous organisations directly from the app. - Withdraw cash: Using your ZKB TWINT app, you can withdraw cash in over 2,300 shops such as K Kiosks, Volg, pharmacies, fuel stations or restaurants. - Digital vouchers and credits: Buy digital vouchers and credits for your favourite shops quickly and at any time. Display the code directly or access it at any time via ZKB TWINT. You can also pass on the voucher code directly via email. - Buy public transport tickets: Simply save ZKB TWINT in your public transport app as your preferred payment method or pay via QR code at vending machines or in online shops. - Super deals: Every week, you can find especially attractive deals that are only available in the TWINT app. Easy registration: 1. Install ZKB TWINT on your smartphone 2. Register using the ZKB Mobile Banking app or ZKB Visa Debit Card 3. Twint and benefit from the many advantages Requirements: - Possession of a cell phone number with the country code Switzerland (+41), Germany (+49), France (+33), Liechtenstein (+423), Italy (+39) or Austria (+43) and a Swiss residential address - A smartphone with the following minimum operating system versions: iOS 15.0 or newer - Own transaction account with Zürcher Kantonalbank in Swiss francs, such as a ZKB Private Account or ZKB Private Account Young. Linking with a ZKB corporate account is not possible. - Active ZKB Mobile Banking on the same device or a ZKB Visa Debit Card issued in your name - Internet access - Minimum age: 10 years Further information: www.zkb.ch/twint Zürcher Kantonalbank eBanking: www.zkb.ch/ebanking

Most trackers stop at "Netflix, 13.99, monthly". Keel tracks the way you actually pay: subscriptions, bills, pay-in-X purchases and yearly ambushes, each from its own bank account. The sofa bought in 3 keeps its remaining balance and its next due date. The insurance that hits once a year is smoothed into your real monthly number. Every payment knows which account it leaves, so you see what goes out from where, before it does. EVERY PAYMENT, ONE CALM PLACE • Subscriptions, bills, memberships and split purchases, side by side • What hits and when, day by day, plus a calendar with brand logos on their due days • Multi-currency, converted honestly at daily rates IT SETS ITSELF UP • Paste a rough list or screenshots into the AI you already use, Keel reads the answer • You review every line before anything is saved • Prefer manual? Common services come pre-filled in a tap, and AI switches off entirely. AI is completely optional, and manual operations are optimized for a smooth on-boarding. PAY IN 3? TRACKED LIKE EVERYTHING ELSE • Progress paid, amount left, every installment on the calendar • Tick payments off right in the list STAY AHEAD • Reminders your way: up to three per commitment, any lead, repeating nudges until the due day • Trials warn before they convert, price increases before they bite • Widgets keep the next payments on your home screen INSIGHTS THAT RECONCILE • What you really paid next to what the year still plans to charge • Yearly costs smoothed into your monthly baseline • Spending by category and by account, and price creep since the day you signed up YOURS. ON YOUR PHONE. • No account, no server, no tracking, no data collection • Face ID lock, local backups, file export any time • Built by a cybersecurity engineer who'd rather there be nothing to breach • Transparent and educational about settings impact ONE PRICE, NOT A SUBSCRIPTION Everything is free for 45 days. No card, nothing renews, nothing to cancel. Then one single purchase unlocks Keel for good, shareable with up to five people through Apple Family Sharing. If you never buy, your data, your charts, marking paid and exports keep working forever. And your whole year sails into a harbor, one ship per billing day, the big bills arriving as container ships. You'll find it. Questions, ideas, corrections: contactkeel@protonmail.com