Jingle Pay vs ADCB | Nomo 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.

Think global, bank local, with a UK digital bank account from Nomo, in partnership with ADCB. Nomo by Bank of London and The Middle East plc (“BLME”) is a trading name of BLME. Bank of London and The Middle East plc DIFC Branch is regulated by the Dubai Financial Services Authority (“DFSA”) as a Category 4 Authorised Firm. The registered office is Office 2904, Level 29, Al Fattan Currency House, Dubai International Financial Centre, Dubai, UAE, PO Box 506557 is DFSA Firm Reference Number F0003552. When you join Nomo, you’ll have access to fee-free multi-currency spending, easy international transfers, UK-based savings accounts, and exciting property investment opportunities. Apply for an account digitally from your smartphone. Kindly note that the Nomo Bank account is provided by Bank of London and The Middle East (BLME) rather than ADCB. SPEND Pay like a local with your debit card or Apple Pay in six currencies – GBP, USD, EUR, KWD, AED, SAR – and avoid international card fees when you’re travelling abroad. SEND Send money abroad in multiple currencies from the app. GBP transfers to UK personal and business bank accounts are fee-free, and transfers in other currencies have low, flat fees. SAVE Diversify your income and earn multi-currency profits with GBP, USD and EUR Fixed Term Deposits. PROPERTY FINANCE Receive finance to buy a UK property, either as an investment or as a home for your family. Joint and sole applications and available, as well as refinance for existing UK property owners.* Security with Nomo Ensuring your money and data are safe is a top priority for us. Nomo is part of Boubyan Bank and a trading name of BLME (Bank of London and The Middle East plc), which is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. Nomo deposits via BLME of up to £85,000 are therefore protected by the FSCS (Financial Services Compensation Scheme). Please refer to the FSCS website for further information at www.fscs.org.uk. Why ADCB | Nomo? We believe that your international, fast-paced lifestyle should be matched with instant access to amazing banking products wherever you are in the world. Nomo’s seamless banking tools allow you to live locally and think globally. Wherever our clients go, they take their financial freedom with them thanks to our Sharia-compliant digital banking app. We’re working hard to bring digital excellence to the world of Islamic banking, through cutting-edge technology that lets customers manage their money on their terms. It takes just minutes to open a Nomo account, so download the app and begin your journey now! *Properties in England and Wales only. Your property may be at risk if you do not keep up the payments on your Nomo Property Finance