ZEN.COM vs Minted

Send, pay, shop and save money with one simple app. The ZEN.COM app is a modern digital mobile wallet designed for everyday payments, online shopping, calculating currencies and smart money management. Instead of switching between apps, you get one place for a digital wallet, debit cards, transfers, instant cashback deals and purchase protection. Clear pricing, free from hidden currency converter fees on your travel money, and full control over your personal finances. One card wallet for everyday life Whether you’re shopping online for deals, paying subscriptions or sending money to friends, ZEN.COM keeps everything simple. Pay in store or online, track spending in real time and manage everyday expenses without stress. ZEN.COM fits naturally into daily life at home and abroad. Save money with instant cashback deals With ZEN.COM, you earn Instant Cashback on online shopping at hundreds of popular stores. Cashback rewards work with well-known brands such as AliExpress and Temu, along with many other shops. Choose the best and latest deals, enjoy special instant cashback offers and get real money back – no points, no waiting. Saving on everyday online shopping becomes effortless. Pay digitally and contactless Use your phone or smartwatch to pay quickly and securely. Add your card to Apple Pay or Google Pay to pay contactless wherever you shop. Whether shopping online or in store, payments are fast and easy. Multi-currency account with fair exchange rates Hold and manage multiple currencies in one mobile wallet. Pay in local payment methods at competitive foreign exchange rates with no hidden currency exchange fees. ZEN.COM is ideal for online shopping, exchanging travel money, calculating currencies and international spending – helping you avoid unnecessary conversion costs as you track and plan your personal finances. Send money simply Send digital money locally or internationally with transparent rules and no surprises. Use ZEN Buddies to send money instantly to other ZEN users. All transfers and payments are visible in one place, so you always know where your money goes. Secure payments and purchase protection Your payments are protected with ZEN Care. If something goes wrong with a purchase, you can request support directly in the app. How people in the UK use ZEN.COM Emma shops online to find the latest hot deals at the best prices, and uses instant cashback rewards to save money on everyday purchases. Fleur pays her subscriptions and does her online shopping using the ZEN virtual card. James sends money, manages his personal finances and tracks monthly expenses in one app. Why choose ZEN.COM • Instant money-saving cashback offers and fair exchange rates • Secure digital and contactless payments in store and online • One wallet for cards, transfers and spending • Secure payments with purchase protection • Clear pricing and full control over money management and expenses Download the ZEN.COM app and simplify how you pay, send, track and save money every day.

Minted, the easier way to start your journey into precious metals. Buy, sell, accumulate, and send physical gold and silver to your friends using the Minted app. With Minted, you can now OWN one of the most valuable commodities on the planet with a low entry point of just £30. We source investment grade gold and silver bars and coins directly from the source to ensure that you get the very best rates. ● Buy, Sell and Manage your precious metals with a secure and interactive mobile app. Open and set up your account all from your phone, for free.  ● Track your precious metal holdings and live prices from within the app at any time.  ● Set up a monthly plan to auto-buy gold and silver at an amount that suits you. ● Setting up a plan is easy and takes less than a minute. 1. Set the amount you wish to buy each month. 2. Set up your monthly payments starting from £30 up to £1000 per month. 3. We will buy bullion on your behalf each month and have it securely vaulted and insured. 4. You can sell your bullion back to us or have it delivered to your address at any time. ● You can change or pause your monthly plan amount at any time that suits your circumstances, we don’t charge any fees to do so. Keep your assets safe and secure. ● We keep your metals safe for you in London’s most premium vaults, stored away in a maximum-security facility which is fully insured, all free of charge. ● Your metals are 100% insured to the daily value.  ● If you like, you can get physical gold delivered to your doorstep in no time through our insured partner, Royal Mail. ● We are an FCA registered company and adhere by all the rules and regulations for a financial firm. ● We’re the only company that ensures your gold and silver are from an LBMA approved delivery partner refinery, fully certified with the highest purity. We share your goals. ● You can create several sub-vaults, free of charge, and manage your metals for multiple goals or simply accumulate for your child or grandchild. Be it for your family’s future, your next summer holiday, your dream home, or your next car, you can create as many monthly plans as you like!  We build communities. ● We believe that gold and silver should belong to everyone, so we built a community where your money is valued in the most precious of metals.  ● With you at the heart of it all; we developed our app to make managing your metals easier, adding features that would make your holdings easily manageable every day.  Company Record.  • Minted is registered with the FCA with reference number 901081 and holds a license as a Small Electronic Money Institution.