MiFinity vs CoParentLedger

MiFinity is a secure digital wallet for online payments, money transfers and multi-currency money management. Trusted by more than 1 million customers, MiFinity lets you pay online, add funds, send money and manage multiple currencies from one easy-to-use app. PAY ONLINE WITH MIFINITY • Use your MiFinity eWallet to pay at participating online merchants. Choose from more than 75+ payment methods, depending on your location, account status and availability. ADD FUNDS YOUR WAY • Top up using available cards, bank transfers, local payment methods or a MiFinity eVoucher. The funding options shown in your account depend on your country, verification status and eligibility. SEND MONEY AND WITHDRAW FUNDS • Make money transfers to other MiFinity users using their registered email address or account number. You can also withdraw funds to supported bank accounts where available. Fees, limits, currencies and processing times vary. MANAGE UP TO 9 WALLETS IN 18 CURRENCIES • Keep your balances organised across up to nine eWallets. Move money between your own wallets and convert supported currencies. Terms and conditions apply subject to your acceptance. EARN REWARDS WITH MIREWARDS • Earn MiPoints through qualifying wallet activity and redeem them for available cash credit rewards. Progress through MiRewards tiers to access additional benefits. Eligibility, availability and programme terms apply. VIRTUAL IBAN FOR ELIGIBLE CUSTOMERS • Verified customers in the UK and EEA may be able to request a GBP or EUR Virtual IBAN, subject to eligibility and availability. Use it to add funds by supported bank transfer with no MiFinity deposit fee. Your bank or any another provider may apply additional charges. SECURITY AND ACCOUNT CONTROL • Biometric sign-in on supported devices • Two-factor authentication • PCI DSS Service Level 1 compliance • Strong Customer Authentication • Transaction history and account notifications GLOBAL ACCESS, LOCAL CHOICE • MiFinity is available in more than 223 countries and territories and supports 21 languages. Services, features, payment methods and currencies vary from country by country and are subject to eligibility, verification, limits, T&Csand applicable fees. Download MiFinity to manage online payments, money transfers, eVouchers and multiple currencies from one secure eWallet. Fees and limits: https://www.mifinity.com/fees/ Learn more: https://www.mifinity.com/ COMPLIANCE AND MONITORING • Transactions are monitored for compliance with applicable laws and regulations. • We may request additional information and/or supporting documentation to process or complete a payment. • Providing false or misleading information may result in account termination and closure. REGULATORY INFORMATION MiFinity UK Limited, trading as MiFinity, is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 [Register Ref. 900090] to issue electronic money. Registered in Northern Ireland. Suite B 6th Floor, City Exchange, 11-13 Gloucester St, Belfast BT1 4LS, United Kingdom. Registration number NI611169. Mifinity Malta Limited is a limited liability company incorporated and registered under the Laws of Malta with company registration number C 64824. Moreover, Mifinity Malta Limited is authorised by the Malta Financial Services Authority (MFSA), bearing Authorised Person ID: MFT, to carry out payment services and e-money services and is a local Financial Institutions licensed to provide Payment Services under the 2nd Schedule and issue electronic money under the 3rd Schedule to the Financial Institutions Act (Electronic Money Institutions) exercising the freedom to provide services outside Malta.

Separated parents do not usually disagree about the children. They disagree about who paid for the boots in November, and neither of them can prove it. CoParentLedger keeps every shared cost in one place, applies the split you actually agreed to, and produces a statement you can hand to the other parent, a mediator or a lawyer without editing it first. WHAT YOU RECORD Each expense with what it was for, the amount, the date, the category, which child it was for, and crucially who actually paid the shop. Attach a photo of the receipt while you still have it. Payments between the two of you are recorded separately from money spent on the children, because they are different things: one settles up, the other adds to the total. Mixing them is the single most common reason a homemade spreadsheet stops adding up. THE SPLIT YOU AGREED TO Set a default, usually 50/50. Then add category rules where your agreement differs, because many do: medical at 60/40, childcare at 70/30. Any single expense can override both when something is genuinely one parent's. THE RUNNING BALANCE One number at the top, in plain words: they owe you, you owe them, or settled up. It moves the moment you add anything, and every figure behind it is visible. THE STATEMENT A printable PDF with the summary, the split applied, every expense with its date and who paid and each share, and every payment between you. Built to be handed over without editing, because a statement you had to tidy up first is a statement someone can question. WHY IT HOLDS UP The balance is arithmetic, not an opinion. Anyone can follow it line by line and reach the same number, which is exactly what you need when the conversation gets difficult or a third party gets involved. PRIVATE BY CONSTRUCTION Everything stays on your device. No account, no server, no sync, and the other parent has no access to your records unless you send them the statement yourself. WHAT THIS IS NOT CoParentLedger is your own record of what was spent. It is not legal or accounting advice and it does not represent you. For anything contested, talk to a mediator or a lawyer where you live. FREE AND UNLOCKED Twenty entries free, with every feature working. The one-time unlock removes the limit and adds the printable statement. One payment, no subscription.