Dosh vs Smarty Bucks

Banking made freak’n easy* Dosh is the Kiwi app that helps you spend, save, and borrow money. Cause life is for living, not banking. *Dosh is not a registered bank. However, your funds are held at a NZ registered bank. EARN PHONE DOLLARS AND GET THE NEW PHONE YOU WANT, FASTER Spend with the One NZ dosh card and earn Phone Dollars on your everyday spend. Take out a home loan with dosh and get a Phone Dollars bonus towards your next phone upgrade. HOME LOANS THAT GIVE BACK Unlock freak’ n great interest rates on a home loan with dosh —powered by Westpac NZ. Whether you're switching your existing home loan or stepping into your new home, dosh makes the process easy and 100% digital. Plus, earn $1,700 Phone Dollars upon settlement so you can get the new phone you want, faster. Your access to hassle-free borrowing starts here. Apply for a home loan with dosh today. SPEND AND EARN PHONE DOLLARS Spend with the One NZ dosh card and earn 1% back Phone Dollars on your eligible everyday spend. Helping you get to your next interest-free phone faster. Pay with Apple Pay, Tap & Go in store or, shop online at any Visa enabled retailer. You’re in control. Set limits or lock your card any time. Plus get notified every time your One NZ dosh card is used. STRIVE TOWARDS YOUR SAVINGS GOALS Earn an epic interest rate on your savings while you grow your balance. Enjoy unlimited withdrawals with no fees or complicated rules. Set your savings goals and track your progress. Funds are held on trust with an AA- registered bank in New Zealand. Fine print You must be 13+ to use Dosh. See our T&Cs in the Privacy Policy. Visit Dosh.nz Dosh is a brand of MCA Investments Limited, a registered company in New Zealand (NZBN 9429048713511), and a registered financial services provider (FSP1000801). See terms and conditions at https://www.dosh.nz/terms-conditions. Dosh Home Loans are approved, issued and managed by Westpac New Zealand Limited (“Westpac”) and promoted by Dosh. Lending and eligibility criteria and terms and conditions apply. Dosh home loan reward offer has a minimum loan size of $300,000 and eligibility criteria and T&Cs apply. The Phone Dollars reward is provided exclusively by One NZ. Use Phone Dollars towards interest-free phones, with Pay Monthly plan & min $99 deposit. Max balance of $4,999 Phone Dollars. Eligibility criteria & terms apply, see one.nz/one-wallet

Smart money for smart families! Smarty Bucks helps parents and children manage allowances, chores, savings, and spending in one place - so kids learn real-world money habits while you stay in control. FOR PARENTS • Set up recurring allowances on schedules that work for your family • Assign chores with due dates, priorities and optional payments • Review chore completions and approve or extend deadlines • Approve or decline spending requests before money goes out • Add rewards for great behaviour and fines when rules are broken • Record cash or card spending so balances match real life • See every child at a glance on your family dashboard • Invite a second parent to share the same family account • Get push alerts for chores, spending and activity that needs attention • Receive weekly summary reports you can open anytime in the app • Export payment and chore history to CSV for your records FOR KIDS • Can be managed in Parents account, or set up their own (email required) • See their balance and recent activity clearly • Complete chores and track what’s due • Request spending and learn to plan purchases • Save toward goals and watch progress grow • Understand where their money goes with transaction history BUILT FOR REAL FAMILIES Smarty Bucks is designed for everyday use: practical tools, clear balances and workflows that mirror how families actually handle pocket money - not a toy bank app. Parents manage the household. Kids get age-appropriate visibility into their money. Everyone stays aligned. Settings include family preferences, notifications, security and privacy controls plus data export when you need it. Developed by Apps by Dad - software that is useful, honest and respectful of your time and data. Questions or feedback? admin@appsbydad.com Terms of Use (EULA): https://appsbydad.com/apps/smarty-bucks/terms-of-service.html Privacy Policy: https://appsbydad.com/apps/smarty-bucks/privacy-policy.html