b.yond vs Kixy

b.yond is an alternative to corporate credit cards that allows you and your fellow co-workers to hold, exchange, transfer and of course spend, funds deposited on your account. Our secure, mobile-based card accounts give you Instant spending notifications, built-in budgeting, and an easy way to spend and send money. Sing-up today and start experiencing a radically better way to manage and control your money. Some of the benefits that await you include: * instant spending notifications after every card payment * insight into how much you spend each month on things like travel and expenses * ability to set up monthly spending budgets for things like restaurants and bars * spend abroad in over 150 currencies with the real exchange rate * send and request money from colleagues at the touch of a button * ability to freeze/unfreeze it from within the app, just in case you lose or misplace your card * turn on and off things like contactless, ecommerce and swipe payments * speak with one of our friendly agents with 24/7 customer support

All your accounts. All your friends. One place. Kixy is a group money app. Link your UK bank accounts via Open Banking, bring your people into Circles, and see your money and shared money together. Money has memory. Kixy remembers who paid, who owes and what it was for, so your group doesn't have to. ALL YOUR ACCOUNTS IN ONE PLACE Link current accounts, savings and credit cards from different UK banks and see them side by side in one app. Kixy shows what you have, what you've saved and what you owe, kept separate so your balance actually means something. No more switching between banking apps. CONNECTED THROUGH OPEN BANKING Accounts link through Open Banking, the UK's regulated way to connect to your bank. You approve access in your own bank's app, and you can remove it at any time. Kixy does not receive your online banking login details. ALL YOUR FRIENDS IN ONE PLACE Create a Circle for anything you share: a home, a trip, a relationship, a team. Chat, record expenses, and see where everyone stands, no matter which bank you use. SPLIT IT YOUR WAY Equally, by amount, by percentage or by share. Scan a receipt to split it item by item. You decide. ALWAYS CLEAR See who paid, who is owed and what is still outstanding. Gentle reminders keep things moving, so nobody has to chase. SEND MONEY ABROAD Send money internationally in multiple currencies. See the exchange rate and fee before you confirm. No surprises. SECURITY CONTROLS YOU CAN SEE Privacy mode hides your balance with one tap. Face ID, two-factor authentication and device management, all in one place. BUILT FOR REAL LIFE Flatmates sharing bills. Couples managing shared costs. Friends on a trip. Clubs collecting subs. Families supporting each other across borders. All your money. All your friends. One place. Kixy is available to UK residents aged 18 or over. Available banks and account types depend on what each bank supports through Open Banking. Kixy Ltd is registered with the Financial Conduct Authority as a Small Payment Institution (FRN 814005) for money remittance services. Account information and payment initiation services are provided by Yapily Connect Ltd (FRN 827001), authorised by the Financial Conduct Authority, with Kixy Ltd acting as its agent. Registered in England and Wales.