MAJORITY vs Torba Split

No SSN required. Open an FDIC-insured account and get a Visa® debit card with just your passport or government-issued ID. Then do more with your money: send money home, build credit, top up phones, and call family. MAJORITY is the mobile banking app built for internationals in the US. Why members choose MAJORITY Open a US account with no SSN, just a passport or ID FDIC-insured account through Axiom Bank, N.A. with no minimum deposit Visa debit card with cashback, works everywhere Visa is accepted No foreign transaction fees Send money home at competitive exchange rates Build credit with the MAJORITY Visa® Secured Credit Card Get paid up to 2 days early with direct deposit Deposit checks right in the app Mobile top-ups to family back home International calling to 20+ countries Support in English and Spanish Send money home Send money at competitive exchange rates with secure delivery by bank transfer, cash pickup, or mobile wallet, whichever your family prefers. Build credit Build your credit history with the MAJORITY Visa® Secured Credit Card. No SSN and no credit history required to apply. Pay on time and use your Credit Boosts to raise your credit limit over time. Your activity is reported to the major credit bureaus, so responsible use can help you build credit. Try MAJORITY free for 30 days, then keep every benefit for $6.99/month. For more information, including our Privacy Policy, visit https://majority.com. The MAJORITY app facilitates banking services through, and the MAJORITY Visa® debit card is issued by, Axiom Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. The funds deposited in the account held at Axiom Bank, N.A., Member FDIC, are FDIC-insured on a pass-through basis up to $250,000 per depositor in the event Axiom fails and subject to the satisfaction of certain conditions. Non-deposit products and services such as money transfers and telecom services are not FDIC-insured. The MAJORITY Visa® Secured Credit Card is issued by WebBank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Since your credit history is reported to major credit bureaus, it can help build/rebuild your credit if used responsibly. Other factors, such as late payments or delinquencies with your other accounts or loans, may adversely impact your credit. There is no guarantee regarding any impact on your credit score. Boost amount (i.e., the amount of the credit line increase) is up to 5% of the monthly on-time payment of at least the minimum payment due and is subject to other terms and conditions, including but not limited to an ability to repay check and a monthly cap in the credit card agreement. Qualification for the MAJORITY Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements, having a Majority account in good standing, and establishment of a security interest. Criteria are subject to change. Eligibility to access the remote check deposit feature in the MAJORITY App will be determined at the discretion of Majority and its partners based on a variety of risk-based factors. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. MAJORITY, PO Box 370356, Miami, FL 33137 © 2026 MAJORITY USA, LLC. All rights reserved.

Torba Split – The Easiest Way to Split Expenses Torba Split makes cost-sharing effortless for groups, friends, and families. Whether you're traveling, living with roommates, dining out, or managing shared expenses, Torba Split helps you keep track of who paid for what and who owes whom—without the hassle of spreadsheets or mental math. Why Choose Torba Split? * Works on all your devices. – Access your expenses anytime, anywhere. * Simple & Fast – Add expenses in seconds, split costs instantly, and see balances at a glance. * Multiple Split Options – Divide equally, by percentage, or custom amounts based on each person's share. * Group Expense Tracking – Create groups for trips, roommates, or any shared spending. Everyone stays in sync. * Smart Balances – See who owes what and settle up easily with minimal transactions. * Offline Mode – Log expenses even without an internet connection. Sync when you're back online. * Secure & Private – Your data is stored securely with encrypted syncing. Ditch the stress of money management in groups. With Torba Split, keeping track of shared expenses has never been easier. Download now and simplify cost-splitting today!