ZEN.COM vs Modulr

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.

Manage accounts, funding, approvals, cards and receipts. Modulr Payroll Portal users: Payment approvals Approve single, multiple or batch payments for your business, or for your customers, wherever you are. If you’re a delegate (e.g. an accountant or payroll bureau) managing approvals on behalf of customers, you’ll know how much time gets spent chasing them for approvals. Modulr Mobile App solves this: customers get a push notification when approval is needed, and can respond in seconds – no desktop required. Add funds Add funds from your bank, directly in the app. From any account, select ‘Add Funds’, choose the bank you’re paying from, and confirm securely at your bank. Funds transfer straight to your Modulr account, ready for any scheduled or approved payments to go out. Funding requirements are clearly shown for your accounts and your customers’ accounts, so you always know what’s needed and when. Accounts and balances Check balances and account activity for your business and your customers, any time. Modulr Accounts Payable users: Cards You can now activate your Modulr virtual payment cards straight from the app and view their secure details. You can freeze and unfreeze each card to stay in control of spending, and check spend limits and current spend at a glance. Receipts Upload receipts on the go – straight from your phone’s camera or files – so your spend stays reconciled wherever you are. For payroll payments, user management, accounts payable invoice approvals, and everything else, continue to use the Modulr AP or Payroll portals on desktop. www.modulrfinance.com/help-and-support