Beem vs ZAAP

A digital wallet that does more than store. With Beem you can pay, request, transfer and split money – plus earn rewards and keep your loyalty and gift cards – all in one place. It’s easy, secure and free to download. ---------------- One wallet. Many possibilities. Say goodbye to the bulky, chuck in your bag retro wallet, and say hello to a shiny, new, all-in-one app that does more than store cards. Pay people. Not accounts. We facilitate payments, but we’re not a bank. Beem syncs up to your contacts, so you flick it over, divvy it up or call it in with anyone in your network. No bank details needed. Split the bill. Not friendships. Track and split expenses between mates without any chasing or awkward convos. You can even create multiple groups for friends, family or workmates. Just enter the amount, we calculate who-owes-what, and everyone settles up. Quick, easy, and all in the app. Get cashback. When you spend. Unlock more value with online and in-store offers via Beem Rewards. Shop in-person with your linked cards or online via the app and watch your savings grow. BPAY® on Beem. Easy as. Master your bills in moments. With BPAY built-in, you know where your money is going and when it’s going to land. Maximise loyalty. Store in one place. Time to declutter all the plastic, punch cards and apps. Beem digitalises all your loyalty cards together in one place. Less risk. More reward. Do you know what present everyone really loves? Choice. Buy and send a personalised gift card from your wallet to theirs. ---------------- The fine print Digital Wallet Pty Ltd ABN 93 624 272 475 (Digital Wallet) AFSL 515270 is the issuer and provider of the Beem facility. Before downloading the app, please consider the Product Disclosure Statement and Terms and Conditions, available at beem.com.au. References to 'Beem' or 'Beem It' are used interchangeably. Any financial product advice, incidental or expressly, provided by Digital Wallet is general advice only. This advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on it, consider if Beem is appropriate for your circumstances. To make or receive a payment through Beem, a valid Visa or Mastercard debit card attached to an Australian bank account is required. T&Cs apply. Beem Rewards and Beembucks have no monetary value. Any value assigned and any redemption is at the sole discretion of Digital Wallet. You have no entitlement to Beem Rewards and Beembucks until Digital Wallet has notified you that Beem Rewards have a value, you have accumulated more than AUD$10 in Beembucks notified value and you have requested redemption. Please read the PDS and T&Cs, Privacy Policy and Beem Rewards T&Cs.

ZAAP - the smart approach to Pocket Money for kids ZAAP is a leading edge digital tool for parents and children. Better than a debit card, it is a Mastercard Pocket Money Card and/or Wearable Payment Band supported by our innovative App. ZAAP is a safe and convenient way for parents to teach their children financial responsibility and good money management skills whilst maintaining control and peace of mind. Received or ordered your ZAAP? Then download the ZAAP App to get started. Haven’t ordered your ZAAP yet? Order today (link to order page) The smart approach to pocket money • Instantly transfer money from parent to child • Safer and more convenient than cash • Maintain control • Can be used anywhere. Take the stress out of giving cash to kids • Know where and how much your child is spending • Much safer than carrying cash • Your child can only spend what is loaded onto the Card • Peace of mind knowing your child can always get transport home • Teach your child financial responsibility and money management skills. Why kids love it • They feel recognised and financially independent • Build good savings habits • They can design their own Card or choose from our card range • No longer need to carry cash • The ZAAP Band is easy to use - and it looks awesome too. • Can’t get into debt. Can only spend what is on the Card Join the happy tribe of ZAAPers today! Please note: You need to have placed your order for ZAAP before you can start using the app. Get ZAAP at www.zaap.com.au