24pay vs YOU BRD

24pay is Must Have App on your phone for direct, secure and fast payments. With a modern design and a user-friendly menu, 24pay App behaves like an eWallet that offers a convenient solution for daily payments. Pay for a wide range of products and services with any of the cards enrolled in the application. Public Transport Users have the possibility to pay for public transport tickets and subscriptions directly from the app, without interacting with a cashier or needing cash. Easy paying the trip, directly on the mobile phone, from the App. 24pay app is available for public transport through a modern, fast and secure payment solution in 19 main cities from Romania: Bucharest (STB), Timisoara (STPT), Cluj-Napoca (CTP Cluj), Iasi (CTP Iasi), Brasov (RATBV SA), Arad (CTP Arad), Ramnicu Valcea (ETA SA), Targu Jiu (Transloc), Piatra Neamt (TPN), Sibiu (Tursib), Baia Mare (SC Urbis SA), Resita (Transport Urban Resita), Sacele (Servicii Sacelene), Ploiesti (TCE), Roman (Solelga), Botosani (Eltrans), Constanta (CT Bus), Bacau, Sfantu Gheorghe (Sepsi Bus), Oradea (OTL). Bill Payments Users have the possibility to pay invoices from different utility suppliers directly from the app: - electricity - gas - phone and internet - financial services - water - sanitation - others The invoice can be scanned, imported or manually introduced by customer identifier (barcode, customer ID, phone number depending on the supplier). Invoice dashboard functionalities: - save templates from various providers one payment for multiple invoices - partial payment of the invoices - real time balance update for the online suppliers Mobile Top Up Users have access to complete top-up services for major mobile operators (Orange, Vodafone, Telekom). Prepaid cards can be charged directly from the application, without going to a branch and without needing cash. Parking Users have the possibility to pay for parking services directly from the app, without interacting with a cashier or needing cash. The payment is made for the entire period of occupying the parking lot (the minimum payment duration /value can be established). Prepaid Vouchers The value coupons are products with a fixed value, PIN loading type, which allow the use on different partner sites of online games and various e-money sites. RCA insurance policy Users interested in concluding a new RCA insurance policy through 24pay can compare the majority of the insurers’ offers available in Romania for motor vehicles in the following categories: passenger cars, motorhomes, motorcycles and semi-trailers. The process of issuing the policy is simple and fast, and the information can be retrieved by importing the necessary documents (driver's identity card and vehicle identity certificate), according to the legislation in force. After making the payment, the RCA policy will be available in the Wallet section of the application. Users can very easily manage the renewal of the RCA, because they receive a notification warning the expiration period of the document. Entertainment Users have the possibility to pay for relaxation and leisure services directly from the app, without interacting with a cashier or needing cash. Entertainment services available now: - massage chairs - kiddie rides Fitness Users can pay for having access to more than 350 gyms partners from the Sanopass network. About 24pay 24pay App was launched in 2018 and it’s FREE for users. In February 2022 the app was bought by PayPoint Services. 24pay eWallet allows payments by mobile phone for a wide range of services by adding the bank card Visa / Mastercard. Access to the application and confirmation of transactions is carried out by authentication with fingerprint or the 4-digit PIN24pay code.

The most important features from application are: • Access based on fingerprint or facial recognition • Transfers to national beneficiaries • Transfers between own accounts • Exchange rate • Transactions History Use the benefits of mobile banking services. In addition, you can use the YOU BRD application for the authentication to the internet banking service.