PNB ONE vs Vellum

PNB ONE is an amalgamation of various banking processes being delivered through single platform. This is an all in one application which allows you to transfer funds, view account statement, invest in term deposits, manage debit card & credit card and many other exclusive services at your fingertips.   Services Available / Features of PNB ONE a) Interactive Interface (i) Redesigned dashboard with more features available on the dashboard (ii) Access all the accounts on the dashboard itself. b) Accounts (i) All accounts will be displayed in illustrative manner. ( Savings, Deposits, Loan, Overdraft, Current) (ii) Detailed view of account statement (iii) Check Balances c) Transfer Funds: (i) Regular Transfers - “Self” (for own accounts), “Within” (for PNB accounts) & “Other” (for non-pnb accounts) will be there.NEFT/IMPS/UPI for Interbank fund transfers.   (ii) Instant Transfers (without adding beneficiary) - IMPS using MMID and Quick Transfer without adding beneficiary. (iii) Indo- Nepal Remittance   d) Invest funds (i) Open a term deposit account (ii) Mutual Funds (iii) Insurance e) Transactions (i) My transactions will display all the recent transactions (ii) My Favorite Payee will show list of recent payees (iii) Schedule a transaction (iv) Recurring transactions   f) Safe and secure (i) Sign in much faster and simpler with your fingerprint (ii) 2 factor authentication (iii) Encryption g) Manage Debit Card (i) Apply for a new card (ii) Update limits of ATM withdrawal, POS/ Ecomm transaction (iii) Hotlist debit card h) Manage Credit Card (i) Link/De link Credit Card (ii) Auto Payment Registration (iii) Auto Payment De-Registration (iv) Change card limit (v) Statement on e-mail (vi) Damaged card replacement i) Unified Payment Interface (UPI) (i) Send/ Collect money through UPI (ii) Transaction History (iii) Complaint Management (iv) User Deregistration j) Scan & Pay (BHARAT QR): (i) Make Payment by scanning QR directly. (ii) Link your cards once and make the payment directly from the account. k) Pay Bills/Recharge: (i) Register your biller pertaining to Mutual find, Insurance, Telecom, Electricity, DTH, credit card etc. (ii) Pay bills directly to your registered biller. l) Languages: Available in English and Hindi m)  Cheques (i) Inquire Cheque Status (ii) Stop Cheque (iii) Request for Cheque book (iv) View Cheque n)   M-Passbook (i) View account statement of account (ii) Download account statement in PDF for offline purposes. o)    Favourites p)    Value Added Services (i) PAN/ Aadhar Registration (ii) E-mail ID Updation (iii) E statement registration (iv) E-statement de registration (v) MMID( used for IMPS) (vi) Last 10 SMS q)    Complaint Service Management (i) Raise a complaint/ Service Request (ii) Track your request (iii) Request history

Every penny, beautifully kept. Vellum is a private, beautifully crafted expense tracker and budget planner. Log spending in two taps, scan receipts, see exactly where your money goes, and export polished statements, all without linking a bank account. FAST, EFFORTLESS ENTRIES - Add an expense or income in seconds with a keypad built for speed - Favorites for the things you buy most - Repeating entries for rent, subscriptions or salary, weekly, monthly or yearly, added on time with a gentle notification - Categories, notes and dates, all editable - Search everything by name, category, amount or date ALWAYS WITHIN REACH - Six Home Screen widgets: Spending, Budget, Today, Quick Add, This Week and Recent - Widgets in your card's own finish or a clean light and dark style - Lock Screen widgets, plus quick logging from Control Center or the Action button - Siri & Shortcuts: log expenses and income, or ask what you've spent this month SCAN RECEIPTS & INVOICES - Scan & Fill: point your camera, and Vellum finds the edges, straightens the page and fills in the details - Multi-page scanning with automatic edge detection - Up to 10 photos per receipt - Attach photos, PDFs or links to any entry, and open them anywhere in the app CARDS FOR EVERY PART OF LIFE - Up to 12 cards: personal, business, travel, savings and more - Eight luxurious metal finishes with fine engraving - Multi-currency: track several currencies on one card and switch in a tap - Start any card with an opening balance, and choose whether it counts as income INSIGHTS, BUDGETS & CALENDAR - Clear breakdowns by category with interactive charts - Spending trends by week, month and year - Monthly budgets for every card - A calendar that shows every day's spending at a glance - A monthly recap of what you spent and earned, your top category, your biggest expense and how it compared, ready to share as a beautiful card EXPORTS YOUR ACCOUNTANT WILL LOVE - Polished PDF statements with running balances - Excel workbooks with summaries, a sheet for every month and a category chart - CSV files for any spreadsheet or accounting software - Every receipt in one tidy folder, organized by card, year and month - Optional plain-English wording for your exports - The Accountant Pack: everything together in one export PRIVATE BY DESIGN - Your data stays on your iPhone - No account, no bank logins, no tracking - Lock Vellum with Face ID and a passcode - Back up and restore whenever you like MADE FOR IPHONE DUO Unfold Vellum into two elegant columns on the big screen, upright or sideways, with pop-ups over a soft blur and graceful transitions as you fold, unfold and turn. Closed, it stays a perfect one-handed ledger. MADE TO FEEL EXPENSIVE Light and dark mode, an app icon that matches your card, international and Indian number formats, and thoughtful details everywhere. VELLUM PREMIUM Try every feature free for 7 days with the yearly plan. Choose yearly, monthly, or a one-time lifetime purchase. Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel any time in your App Store account settings. Any unused portion of a free trial is forfeited when you purchase a subscription. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://vellumapp.com/privacy