Jingle Pay vs Empay UAE

Manage all your money, cards, and accounts in one financial super-app Within a few minutes, get: • Fee Free AED account • 0 Minimum Balance • Multi-currency transfers to 160+ countries fee-free at the best exchange rates The app was conceived by expats for the expats. Like you, we know the difficulties and extra costs that expats might face while opening bank accounts or sending money to their loved ones abroad. So, Jingle Pay was created to simplify the financial daily lives of the masses. Jingle Pay empowers you with an AED account free of fees, paperwork and with zero-commitments, to reliably store, spend, and send money to 160+ countries, in 99+currencies, and at the best exchange rates globally – all through a seamless and user-centric mobile experience. Jingle Pay is regulated by the Dubai Financial Services Authority. For any questions or concerns, contact our team via Live Chat or email at: support@jinglepay.com WHAT WE STAND FOR! At Jingle Pay, we are on a mission to boost financial inclusivity. We deliver affordable, inclusive and transparent payment services through a seamless digital experience. We aim to expand access to financial services by simplifying the processes of account openings, payments and cash management. THE ALL IN ONE ACCOUNT Whether you’re using your Jingle Pay account, any other linked card or bank account, this feature simplifies the way you manage money by providing you with a holistic view of all your accounts’ balances and transactions. Using any of your linked accounts, you can send money that will be processed through your Jingle Pay account in a tap. You can also simply top up your Jingle Pay account. WORLD’S-FIRST REMITTANCE MARKETPLACE Get ready to unlock our remittance services that will make you feel closer to home! Through this feature, you will be able to instantly make international money transfers, register beneficiaries, compare rates between different market providers and save money while sending remittance to family. Your remittance transactions can be made within minutes fee-free, through our user-centric super-app. The app offers you convenient options for sending and receiving money – through transfers to a bank account, mobile wallet, or cash pickup. You can send money to 160+ countries in 99+ currencies while choosing the best exchange rates offered on our world-first remittances marketplace. PEER-TO-PEER PAYMENTS With the peer-to-peer feature, you can send or request money instantly and free of charge - all you need is a mobile number. Also, the app gives you the option of writing a personal message or even sending an emoji that reflects your personality to send alongside your transfers. At Jingle Pay, we understand that traditions and customs might inhibit you from asking your friends to pay you back. With this feature, we save you any embarrassment that might come with having to ask someone for your money back. SPLIT BILL The split-bill feature allows you to split expenses with multiple Jingle Pay accounts easily. You can select multiple people from your contact list to share expenses with, while informing them of the total amount of the bill. This feature will save you the countless discussions you might have with your friends over who’s picking up the dinner bill next. DETAILED ANALYTICS Our AI-embedded financial analytics feature will help you keep track of your spendings across all your bank accounts and cards. You will be able to manage your spendings and transactions all in one place. To help you better understand and manage your funds, the feature categorizes your spendings into labels, such as restaurants, groceries, health, etc. The ‘money stories’ feature will allow you to view your categorized spendings per day, week, month, or any given customized date. Finally, the feature categorizes and labels all transactions made on any linked cards or bank accounts, giving you a bird’s-eye view of your spending habits.

Empay: One app for all your payment Empay is your trusted digital companion for seamless payments and essential services across the UAE. Whether you are managing bills, transferring money internationally, or topping up your prepaid accounts, Empay brings it all together in one secure and easy-to-use app. It is designed to support how people in the UAE live, pay and manage their finances every day Get Started in Minutes Joining Empay is effortless. Use UAE PASS to sign up without entering any personal data. Your identity, mobile number, and email are verified instantly. No UAE PASS? No problem. You can start with just a UAE mobile number and email. Want to get a digital prepaid card? Simply verify your Emirates ID and your card will be ready to use in seconds. Pay with Confidence With PCI DSS Level 1 certification, Empay is built to meet the highest standards in payment security. Easily link your debit or credit cards and make payments within the app, knowing your transactions are fully protected. Smarter International Money Transfers Empay makes sending money abroad simple and reliable. With competitive exchange rates, transparent fees, and an interface designed for repeat use, you can send money to your loved ones in just a few taps. View live rates instantly, access frequently used recipients, and complete your transfer without needing to visit an exchange house. All Your Essential Payments, One App No more juggling different apps or visiting websites. Empay lets you manage a wide range of government and utility payments from your phone, anytime. Current services include: ● Telecom: Etisalat Postpaid, Etisalat Prepaid, Du Postpaid, Du Prepaid, Elife, Du Landline ● Utilities: DEWA, Etihad Water & Electricity, TAQA Al Ain, TAQA Abu Dhabi, Ajman Sewerage, Lootah BC Gas, Sergas ● Transportation: Nol, Salik, MAWAQIF PVT ● Government Services: DET (Dubai Economy and Tourism) New services are added regularly, so you’ll always find what you need in one place. Personalized and Evolving Experience Our redesigned home screen makes it easier than ever to reach your most-used services. Quick action cards, a cleaner layout, and smart suggestions based on your previous activities help you complete tasks faster. Whether it's repeating your monthly bill payment, sending another transfer, or topping up your mobile, Empay remembers what you need. Your Digital Prepaid Card, Ready Instantly Apply for your Empay digital prepaid card directly from the app and start using it for any in-app payment. Top it up using your bank account, debit or credit card, and make secure transactions across all supported services. Physical cards are coming soon. Stay in Control Track your past actions right from the main screen. Get clear summaries, see your latest transactions, and manage everything in one place. Empay is more than just a payment app. It’s your personal tool to manage daily life in the UAE with clarity, speed, and security. Download Empay now and experience the better way to pay. Need help or want to know more? Visit us at www.empay.ae Facebook: facebook.com/Empay.UAE Instagram: instagram.com/Empay.UAE Twitter: twitter.com/Empay_UAE Privacy Policy: empay.ae/privacy.html Support: support@empay.ae