LemFi vs Oweize

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

Oweize makes it easy to split bills, track shared expenses, and keep everyone up to date on who owes what. Whether you're paying for dinner, planning a trip, sharing rent, or splitting group expenses, Oweize helps you stay organized without the awkward math. What you can do with Oweize? - Create and track shared expenses in seconds. - Split costs evenly or customize amounts per person. - Scan receipts with AI to auto-detect amounts, categories, and dates. - Support for 160+ currencies. - Set up recurring expenses for rent, subscriptions, and regular splits. - See who owes you and who you owe at a glance. - Keep running balances with friends and groups. - Get settlement reminders so nothing slips through. - View spending insights across your groups. - Create groups for trips, households, events, and more. - Invite friends and settle up when you're ready. - Filter and search your expense history. - Add notes and details to each expense. - Import your history from other Split apps with a CSV upload. - Sign in with Apple, Google, or email for quick access. - Manage your profile and preferences easily. Our Plans: Free - Expense splitting, groups, settlements, insights, and more. - No time limit. No ads. Plus - $0.99/month with a 14-day free trial - Budget tracking with custom periods. - Import bank and credit card statements. - AI-powered transaction categorization. - Income and expense planning. - Multiple accounts and cards. Pro - $3.99/month with a 14-day free trial - Everything in Plus. - Connect up to 3 bank accounts with automatic weekly sync. - Real-time balance updates. - Additional banks available at $0.99/month each. - Available in the US and Canada. Why people use Oweize? - Fast and easy expense splitting. - AI receipt scanning for hands-free entry. - Clear balance tracking across friends and groups. - Simple design that makes shared spending less stressful. - Built for everyday use with friends, roommates, couples, and travel groups. Perfect for? - Restaurants and outings. - Trips and vacations. - Roommates and shared bills. - Group gifts and events. - Work lunches and team expenses. - Any situation where money is shared. Oweize keeps your shared finances simple, so you can focus on the moment instead of the math. Terms of Use: https://oweize.com/terms Privacy Policy: https://oweize.com/privacy