Bits Credit Card and More vs Algbra

Bits offers credit cards and credit information services to consumers in the UK. The basic idea is that you get a Bits subscription, and that opens up access to a whole host of member benefits. The only fee you ever pay is the monthly Bits subscription that you choose. The full list of Bits services that open up to you once you have a Bits subscription include: - Bits Store Card, you can shop in the Bits store (in app), where we offer a curated selection of electronics, and other consumer goods, available for purchase - Bits Credit Card, which lets you shop anywhere that Mastercard is accepted, with 0% APR and 0 late fees, and a foreign exchange rate that is the same as what you see on the Mastercard website. Apple Pay supported! - Bits School of Credit, which has dozens of educational videos on credit. These are not financial advice, and are general/non specific videos that you don’t pay for; they are free - Bits Simulator, which helps you understand some general/non specific things on credit use - Bits Rent Reporting, which helps get your rent reported (to Equifax) - Bits Support: we are here, and will help you in any way we can! REGULATORY STATUS Although Bits (trading name of Fea Card Limited) is regulated as a firm by the Financial Conduct Authority (FCA), not all of our products are regulated, and you should be aware of this when you sign up. Furthermore, some of our regulated products have limitations on them, which are stated on the FCA website. Here is the regulatory status of our products: Bits Store Card - not regulated, as it is structured under exemptions in the Regulated Activities Order. Bits Credit Card - The Bits Credit Card is not regulated, as it is structured under exemptions in the Regulated Activities Order. The Bits Credit Card is issued by Transact Payments Limited pursuant to licence by Mastercard International. Transact Payments Limited is authorised and regulated by the Gibraltar Financial Services Commission. Mastercard is a registered trademark and the circles design is the trademark of Mastercard International Incorporated. Bits Subscription - not regulated, as it is structured under exemptions in the Regulated Activities Order. Score in app - regulated, using our credit information services permission, with FCA firm reference number 946683. To deliver this service, Bits is partnered with Equifax. Rent reporting - Fea Card Limited is an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804718). Plaid provides you with regulated account information services through Fea Card Limited as its agent. Specifically, this permission is used for our rent reporting service. Bits Marketplace - regulated, using our credit broking permission, with FCA firm reference number 946683. To deliver this service, Bits is partnered with Freedom Finance Ltd, which is regulated by the Financial Conduct Authority (FCA) with firm reference number 662079 for providing credit broking services. GET IN TOUCH We are a registered company in England, with Companies House number 11620703. Our company name is Fea Card Limited and registered address is 349 Royal College St, London, NW1 9QS, United Kingdom. You can get help in app any time.

Algbra is the ethical finance platform designed to help you spend, save, and manage money in a way that puts people and the planet first. Open an account with ease, manage multiple currencies, grow your savings, and support causes that matter, all from within one app. Finance, made for humans. Your money should work for you without compromising your values. When we hold your money, we ensure that it’s protected from harmful industries such as arms, tobacco, fossil fuels, and gambling, helping to create a more responsible financial system. Ethical Saver Cubes Grow your savings while helping to support sustainable development globally. Create dedicated saving goals and earn competitive fixed returns in just a few taps. • Competitive returns • Choose fixed terms that suit you • Create multiple saving goals • FSCS protection up to £120,000 (T&Cs apply) • Sharia-compliant and Ethical One app. Multiple currencies Hold, send, receive, and convert money across currencies without juggling multiple apps. • Hold multiple currencies in one place • Send money to 20+ countries • Convert currencies with clear, competitive exchange rates Borderless accounts Open a UK account from wherever you call home. • Get an Algbra account with IBANs for GBP, USD, EUR and other supported currencies • Make international transfers • Enhanced fee-free allowances • Spend abroad with ease Algbra’s Borderless Account allows eligible customers to access UK financial services globally, making it easier to manage money internationally. T&Cs apply. Donate with a tap Support the causes that matter to you directly from the app. With Algbra Donations, you can make a difference in seconds. • Donate to trusted charities • Set up recurring or one-off donations 100% of your donation goes directly to the charity. Planet impact tracking Discover how your spending impacts the planet. Track your estimated carbon footprint and offset your impact to take meaningful steps towards a more sustainable world. Everything else you'd expect • Fast signup, no credit score impact • Contactless & virtual debit cards • Add to Apple Wallet • Instant top-ups via Open Banking • Spending analytics • Secure Biometric login (Face ID & fingerprint) Algbra FS UK Limited is authorised as an Electronic Money Institution by the UK Financial Conduct Authority (FCA) (FRN: 952360). Algbra FS UK Limited is registered in England and Wales (Company No. 12629086). Funds held in your Ethical Saver Cubes are protected by the FSCS up to £120,000. T&Cs apply. The Algbra card is issued pursuant to licence by Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. IMPORTANT: This content is provided for informational purposes only and is not intended as marketing or solicitation in jurisdictions where we are not licensed or authorised to operate.