Beem vs Dosh

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.

Banking made freak’n easy* Dosh is the Kiwi app that helps you spend, save, and borrow money. Cause life is for living, not banking. *Dosh is not a registered bank. However, your funds are held at a NZ registered bank. EARN PHONE DOLLARS AND GET THE NEW PHONE YOU WANT, FASTER Spend with the One NZ dosh card and earn Phone Dollars on your everyday spend. Take out a home loan with dosh and get a Phone Dollars bonus towards your next phone upgrade. HOME LOANS THAT GIVE BACK Unlock freak’ n great interest rates on a home loan with dosh —powered by Westpac NZ. Whether you're switching your existing home loan or stepping into your new home, dosh makes the process easy and 100% digital. Plus, earn $1,700 Phone Dollars upon settlement so you can get the new phone you want, faster. Your access to hassle-free borrowing starts here. Apply for a home loan with dosh today. SPEND AND EARN PHONE DOLLARS Spend with the One NZ dosh card and earn 1% back Phone Dollars on your eligible everyday spend. Helping you get to your next interest-free phone faster. Pay with Apple Pay, Tap & Go in store or, shop online at any Visa enabled retailer. You’re in control. Set limits or lock your card any time. Plus get notified every time your One NZ dosh card is used. STRIVE TOWARDS YOUR SAVINGS GOALS Earn an epic interest rate on your savings while you grow your balance. Enjoy unlimited withdrawals with no fees or complicated rules. Set your savings goals and track your progress. Funds are held on trust with an AA- registered bank in New Zealand. Fine print You must be 13+ to use Dosh. See our T&Cs in the Privacy Policy. Visit Dosh.nz Dosh is a brand of MCA Investments Limited, a registered company in New Zealand (NZBN 9429048713511), and a registered financial services provider (FSP1000801). See terms and conditions at https://www.dosh.nz/terms-conditions. Dosh Home Loans are approved, issued and managed by Westpac New Zealand Limited (“Westpac”) and promoted by Dosh. Lending and eligibility criteria and terms and conditions apply. Dosh home loan reward offer has a minimum loan size of $300,000 and eligibility criteria and T&Cs apply. The Phone Dollars reward is provided exclusively by One NZ. Use Phone Dollars towards interest-free phones, with Pay Monthly plan & min $99 deposit. Max balance of $4,999 Phone Dollars. Eligibility criteria & terms apply, see one.nz/one-wallet