Beem vs SaveMateAU

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.

SaveMateAU - Plan the life you actually want to live. Whether you're saving for a home, paying off debt, planning for retirement, or just trying to understand where your money goes - SaveMateAU gives you the numbers you need to make smarter decisions. 35 POWERFUL CALCULATORS Property - Home Deposit - How long until you can buy? - Stamp Duty - What will you pay by state? - Rent vs Buy - Which is actually better for you? - Refinance Savings - Is switching lenders worth it? - Extra Repayments - Pay off your mortgage faster Education - Child Education Fund - Be ready when it matters most - HECS Repayment - When will your student debt be gone? - Private School Fund - Plan ahead for private education - Baby Fund - Ready before the big day Car - Car Upgrade Fund - When can you afford that new car? - EV Switch - Does going electric make financial sense? - Car Loan Payoff - Pay off your car loan faster Lifestyle - Saving Goal - How long to reach your target? - Holiday Fund - Your dream trip is closer than you think - Wedding Fund - Your perfect day, planned financially - Renovation Fund - Plan your dream renovation - Gadget Fund - Save for your next big purchase Independence - FIRE Calculator - When can you retire early? - Retirement Age - When can you stop working? - Super Boost - How much is extra super worth? - Passive Income - How much do you need to invest? Protection - Emergency Fund - How long could you survive without income? - Income Protection Gap - What happens if you can't work? - Redundancy Buffer - Are you ready if you lose your job? Debt - Debt Snowball - Crush your debts one by one - Credit Card Payoff - The real cost of your credit card debt - Subscription Audit - What are your subscriptions costing? - Daily Habit Cost - Small spending, big long-term impact - Salary Sacrifice - Pay less tax, save more super Australia - Tax Return Estimator - How much will you get back? - HECS + Savings - Should you pay HECS or save first? - Centrelink Impact - How do savings affect your payments? - CGT Estimator - Tax on your investment gains - Negative Gearing — Does your investment property stack up? WHY SAVEMATEАУ? Every calculation comes with: - Clear results in plain English - Visual graphs showing your financial future - Smart insights - not just numbers - Honest disclaimers (we're a calculator, not a financial adviser) SAVEMATEAU PRO - $4.99 once, yours forever - Unlimited calculations - PDF export - save and share your financial plans - Custom subscription tracking - Scenario comparison graphs - One-time purchase. No subscription. No hidden fees. DISCLAIMER SaveMateAU is for informational and educational purposes only. It does not provide financial, legal, or tax advice. Always consult a qualified professional before making financial decisions.