LemFi vs Pockit

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

Pockit is a straightforward expense and income tracker that keeps your financial data yours: on your device, and in your own iCloud only if you choose. KEY FEATURES • A glance dashboard: your balance, money in versus out, where your spending went, and your latest transactions, all on one screen • Track expenses and income, with a note and free-text tags on every entry. Turn on Keep adding to record several in a row without leaving the sheet • Running balance on every transaction, so you always see what an account held right after it • Multiple accounts: cash, bank, card, savings, e-wallet, investment, loan, or other, each with its own balance and currency • Multi-currency support with your own exchange rates. Net worth values every account at today's rate • Transfer money between your own accounts, with the arriving amount converted for you • Budgets: set a spending limit over a weekly, fortnightly, monthly, quarterly, yearly, or one-off cycle, and watch your progress on the Budgets tab • Categories with custom colors and icons, separate lists for expenses and income • Spending and income trends, with a category breakdown for any period • Filter and search your history by date, category, account, or tag • iCloud Sync (iOS 17 and later): keep the same ledger on every iPhone signed in to your Apple Account. Off until you turn it on • Optional app lock with Face ID, Touch ID, or a PIN • Screen privacy: Pockit blurs itself in the app switcher and keeps your figures out of screenshots and screen recordings • Light and dark themes that follow your system or your own choice • Back up and restore your data as a file, entirely under your control PRIVACY BY DESIGN Pockit has no account, no sign-up, and no server of ours. Your data is stored in an encrypted database on your device. If you turn on iCloud Sync, your records are encrypted on your device before they go to your own private iCloud, and we never see them. Optional, anonymous crash and usage analytics can be turned off anytime in Settings, and never include your amounts, dates, notes, or any identifying data. Whether you're tracking a simple monthly budget or juggling several accounts in different currencies, Pockit keeps it fast, private, and entirely yours.