LemFi vs Fint

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

Fint is a privacy-first spending tracker built for people who want to understand their finances without giving up their data. No account required. No servers. No third parties. Everything you log stays on your device, and your device alone. Track your spending Log receipts by scanning them with your camera or entering them manually. Fint reads the store name, total, and date automatically using on-device OCR. You can always edit before saving. Every receipt is categorized, searchable, and stored locally. Set budgets that work Set a daily, weekly, or monthly spending cap. Break it down by category and get alerts at 50%, 75%, 90%, and 100% of your budget so you always know where you stand. Budget statuses update in real time so you are never caught off guard. Never miss a bill Add your subscriptions and recurring bills once. Fint records them automatically on their due date and reminds you two days before. Fixed bills record themselves. Variable bills prompt you to update the amount before the due date. See where your money goes The Insights tab gives you a spending breakdown by category, daily and weekly spending charts, and a 30-day summary with your total and daily average. Every chart is toggleable so you only see what matters to you. Fint Wrapped On December 31st, Fint gives you a full year in review. Your top category, most visited store, biggest purchase, busiest month, best streak, and more. Streaks Stay within your weekly budget consistently and build a streak. Hit 8 weekly streaks and unlock monthly streaks. Fint tracks your longest streak and keeps you motivated without punishment messaging. iCloud sync, your way iCloud backup is off by default. Turn it on in Settings and your spending data syncs across all your Apple devices using your personal iCloud. Nothing passes through any server we own or operate. Open source and MIT licensed so you can verify exactly how it works. Privacy by design Most finance apps ask you to create an account. Fint does not. Your device is your account. There is no database to breach, no server to hack, and no data to sell. Your spending history belongs to you. Fint is free, open source, and built for iOS 18.