Minted vs Kestrl

Minted, the easier way to start your journey into precious metals. Buy, sell, accumulate, and send physical gold and silver to your friends using the Minted app. With Minted, you can now OWN one of the most valuable commodities on the planet with a low entry point of just £30. We source investment grade gold and silver bars and coins directly from the source to ensure that you get the very best rates. ● Buy, Sell and Manage your precious metals with a secure and interactive mobile app. Open and set up your account all from your phone, for free.  ● Track your precious metal holdings and live prices from within the app at any time.  ● Set up a monthly plan to auto-buy gold and silver at an amount that suits you. ● Setting up a plan is easy and takes less than a minute. 1. Set the amount you wish to buy each month. 2. Set up your monthly payments starting from £30 up to £1000 per month. 3. We will buy bullion on your behalf each month and have it securely vaulted and insured. 4. You can sell your bullion back to us or have it delivered to your address at any time. ● You can change or pause your monthly plan amount at any time that suits your circumstances, we don’t charge any fees to do so. Keep your assets safe and secure. ● We keep your metals safe for you in London’s most premium vaults, stored away in a maximum-security facility which is fully insured, all free of charge. ● Your metals are 100% insured to the daily value.  ● If you like, you can get physical gold delivered to your doorstep in no time through our insured partner, Royal Mail. ● We are an FCA registered company and adhere by all the rules and regulations for a financial firm. ● We’re the only company that ensures your gold and silver are from an LBMA approved delivery partner refinery, fully certified with the highest purity. We share your goals. ● You can create several sub-vaults, free of charge, and manage your metals for multiple goals or simply accumulate for your child or grandchild. Be it for your family’s future, your next summer holiday, your dream home, or your next car, you can create as many monthly plans as you like!  We build communities. ● We believe that gold and silver should belong to everyone, so we built a community where your money is valued in the most precious of metals.  ● With you at the heart of it all; we developed our app to make managing your metals easier, adding features that would make your holdings easily manageable every day.  Company Record.  • Minted is registered with the FCA with reference number 901081 and holds a license as a Small Electronic Money Institution.

YOUR MONEY, YOUR VALUES We’re Kestrl – the app that helps you to spend, save and grow your wealth without compromising on your beliefs. Join the waitlist today and become an ‘Alif’ Early adopter. In exchange for your feed back you’ll get exclusive perks and early access to features FOR LIFE! Download and begin your ethical journey today. Winners of ADIB’s Ethical Finance Awards and Money 20/20 Fintech for Good Award 2025. This description is relevant for UK customers only. From funding wars to contributing to global pollution, Banks have used our money for unethical activities for years. We’re building an alternative. EARN AN INTEREST-FREE RETURN Store money in a Kestrl current account and receive a competitive, fully interest-free and ethical (Shariah certified) return on any money you have deposited. Withdraw any time and gain full transparency on where your money is at all times. AVOID UNETHICAL COMPANIES We’ll flag if any payments have been made to companies you don’t agree with and suggest alternative places to shop at. Receive a monthly score of how much of your money has been successfully divested away from harmful activities. Connect other bank accounts and check your spending across your portfolio. SUPERCHARGE YOUR GOALS WITH SAVINGS POTS Create sub-accounts for your specific goals and we’ll put money towards them as often as you want. From saving for a holiday to Hajj, we’ll round up spare change or do automatic monthly/weekly deposits. Earn an interest-free return on any money stored in these pots. MANAGE YOUR MONEY Connect all your bank accounts to Kestrl via open banking and manage your finances in one place, from tracking subscriptions, building a budget and avoiding debts. Get instant notifications to keep track of every payment. VALUES-ALIGNED FEATURES From purifying interest across your bank accounts, to calculating zakat or screening companies for investments, we’ve got your back with our suite of faith-based and ethical screening services. BEST IN CLASS SECURITY Freeze your card in seconds. Our algorithms will detect any suspicious transactions or activities and freeze your card instantly unless we can confirm it’s really you. AI Identity checks: If your account is accessed from an unexpected location, we’ll act immediately. Biometric Security: Access to your account is linked to the biometric sign-in on your device. UK Residents only, Ts&Cs apply. This card is issued by AF Payments Limited pursuant to a licence by Mastercard International. AF Payments Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900440) for the issuing of electronic money and payment instruments. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International. Kestrl registered Address: Salisbury House, 29 Finsbury Circus, London, EC2M 5SQ.