LemFi vs Dioko

Ambition has no passport. LemFi is built for people going places. It puts what you need in one app: send money internationally, buy eSIM data, and in the UK, save and access credit, subject to eligibility. Send, save, grow with LemFi. SEND MONEY ABROAD Send to 30+ countries across Africa, Asia, Europe, and Latin America, with zero transfer fees on supported corridors. Most transfers arrive in minutes, paid into a bank account, a mobile wallet, or a mobile money account, depending on where you're sending. No branch visit, no paperwork, no waiting days for a bank wire to clear. You see the exact rate and fee before you confirm. No hidden fees, nothing taken off on arrival. Then follow every transfer from the moment you send to the moment it lands, so you're not left wondering, and neither is your family. SAVINGS (UK) LemFi Instant Access Savings, Powered by ClearBank. Open an account from £1 and put money aside for emergencies, for goals, for the things that matter. Withdraw any time, with no penalty. Interest is calculated daily and paid monthly. The LemFi Instant Access Savings Account currently pays a boosted 5% AER for the first six months from account opening; it then reverts to 3.04% AER (tracker), tracking the Bank of England base rate. LemFi is not a bank. Savings accounts are provided by ClearBank Ltd (PRA-authorised, FCA and PRA regulated). Eligible deposits are FSCS protected up to £120,000 per person, shared across all deposits you hold with ClearBank. CREDIT (UK) LemFi Credit is a revolving credit line, subject to eligibility. We look at your full history, including your history with LemFi, so a thin UK credit file isn't the whole story. Choose how you repay each month: the full balance, the minimum, or a fixed amount that suits you. With Credit Monitor, eligible customers can see their Equifax credit score in the app, and what moves it. Credit is offered subject to status and affordability. Questions about credit? Our support team is in the app. The LemFi Credit account is provided by Pillar Labs Ltd, a company registered in England and Wales (Company No. 13637649). Registered Office: Jellicoe, 5 Beaconsfield St, London, England, N1C 4EW. Pillar Labs Ltd is authorised and regulated by the Financial Conduct Authority under Firm Reference Number: 996727. eSIM DATA Buy eSIM data for 150+ countries in the app, before you fly. Land connected when you go home or travel anywhere else, with no roaming bill and no queue for a local SIM. WHY OVER 2 MILLION PEOPLE STAY • Alerts the moment your money arrives • 24/7 customer support in multiple languages • Refer a friend and you both get the same amount of LemFi Cash to use on your transfers. LemFi Cash can't be withdrawn as cash. LICENSED AND REGULATED In the UK, LemFi is a trading name of RightCard Payment Services Limited, authorised by the Financial Conduct Authority to issue electronic money under the Electronic Money Regulations 2011 (FRN 900424). Your LemFi account is an e-money account, not a bank account, and is not FSCS protected. We also hold licenses, registrations, and approvals in Australia, Canada, Ireland, the US, and key corridors across Africa and Asia. Questions? Contact us in the app or at support@lemfi.com. Facebook: @uselemfi | X: @uselemfi | Instagram: @uselemfi

Take control of your money with Dioko — the personal finance tracker that makes it effortless to capture every expense and income stream, so you always know exactly where your money goes. Track Everything, Effortlessly Add expenses and income in seconds. Choose a name, category, amount, and frequency — weekly, fortnightly, monthly, quarterly, or yearly — and Dioko handles the rest. Every transaction is stored locally on your device, keeping your financial data private and always available. Understand Your Real Financial Position Dioko automatically scales your transactions to monthly, quarterly, or yearly totals so you can see the true cost of your lifestyle at any horizon. Switch between views with a tap and instantly understand how your spending and income compare. Visualise Where Your Money Goes The home dashboard shows a live bar chart of your top expense categories, a breakdown by category, and a clear income vs. expense surplus metric — so the health of your finances is visible at a glance. Tap any data point to refresh and animate the charts. Powerful Stats Screen Dive deeper on the Stats screen. Filter by expense or income, switch reporting periods, and explore a full category breakdown with an animated doughnut chart for utilities. A pull-to-refresh keeps everything up to date. Search and Browse The Search screen lets you find any transaction instantly by name or category. Swipe to delete entries you no longer need. Full Transaction Detail Tap any transaction to see its full detail — amount, category, frequency, yearly and quarterly projections, and whether it's included in your financial metrics. Edit transactions on the spot and your dashboard updates immediately. Secure Login with Face ID / Touch ID Sign in quickly and securely with biometric authentication. Dioko uses iOS Keychain to store your credentials safely, and you can enable or disable biometrics at any time from your profile. Backup and Restore Export all your transactions and categories to a plain-text file you can save to Files, AirDrop, or email to yourself. Reimport the file at any time to restore your data — ideal when switching devices. Personalise Your Profile Add your full name, mobile, city, and country. Upload a profile photo. Dioko surfaces a fresh piece of financial wisdom each time you visit your profile, powered by a live advice feed. Onboarding for New Users A beautiful four-slide onboarding flow welcomes first-time users and explains the key features before they dive in. Your data never leaves your device. Dioko stores everything locally using iOS UserDefaults and Keychain — no account servers, no cloud sync, no ads.