B9 vs Refyne

Get fast cash advances to your B9 wallet or directly to your bank account by becoming a member*. The B9 App is a mobile banking app where cash advances are built around your paycheck. Become a member, set up direct deposit, and get fast cash advance before your payday. No credit checks. No interest. Repay when you get paid. Once you’re a member, connect your paycheck and once it arrives on your account, request cash advances to be sent to your B9 account or send it to your bank. Need money immediately? We’ll expedite delivery within minutes for an additional fee. First time members may qualify for an advance range from $10-50. Not all members will qualify, and many will not qualify for a maximum amount right away. Consistent paycheck deposit will help access higher advances over time. Many members advance up to $150-$250 after their third paycheck. Unlike apps with daily cash-out caps, eligible B9 members can cash out their full available advance amount at once — no forced daily limits. Available advance amounts may increase over time based on recurring direct deposits and account activity. Qualifying income may include W-2 payroll, gig work, part-time income, and benefits such as SSI. Qualifying income may include W-2 payroll, gig work, part-time income, and benefits such as SSI. With over 1.5 million users, B9 is trusted to make everyday banking simpler, faster, and more rewarding. HOW TO GET YOUR B9 ADVANCE • Download the B9 App and open an account • Direct your paycheck to your B9 account • Access starts with your paycheck • Cash out the full available advance amount • Recurring paycheck deposits may increase your available advance amount. Repayment happens automatically with your next pay. WHY CHOOSE THE B9 APP? Cash out the entire available advance whenever you need it. Taking a break? We save your progress! Return within 35 days to start from where you left off. Easy banking Open your B9 Account and use your B9 Visa® Debit Card for everyday spending. Get up to 5% cashback on purchases with your B9 Visa® Debit Card. Earn real cash in the app with B9 Play & Earn. *MEMBERSHIP PLANS Basic — $9.99 • Fast cash advances up to $250 per pay period [1] • Withdraw anytime, including Cash App and Venmo transfers • Up to 5% cashback with the B9 Visa® Debit Card • Send money instantly • Earn real cash Basic plan provides access to B9’s full suite of financial tools and services. Membership auto-renews monthly but can be canceled anytime in the app or by contacting support. Premium — $19.99/month or as little as $6.99 (if paid yearly) • Fast cash advance up to $1,000 per pay period [1] • Immediate access to advance funds • Up to 5% cashback with the B9 Visa® Debit Card • Credit monitoring tools • Send money instantly • B9 Play & Earn real cash • Priority customer support All Premium plans provide access to B9’s full suite of financial tools and services. Membership auto-renews monthly but can be canceled anytime in the app or by contacting support. IMPORTANT NOTES • B9 membership is required to request cash advances • Advances are not loans, not payday loans, and not personal loans • No credit checks • No interest • No late fees • Instant transfer fees are optional and not included in the membership price COMPANY INFORMATION B9 launched in 2021 with a mission to help Americans achieve financial stability by bridging cash gaps. B9 is not affiliated with Credit Karma, Brigit, Earnin, Dave, Cleo, Beem, Chime, MoneyLion, Venmo, Cash App, or similar services. [1] Eligibility requirements apply. Not all users will qualify. Advances are not available in all states. See Terms of Service for details. B9, Inc. is a financial technology company, not a bank. Banking services are provided by Evolve Bank & Trust, Member FDIC. Privacy Policy https://bnine.com/privacy-policy Terms of Service https://bnine.com/tos Address: 777 Brickell Avenue, Suite 500, Office 529 Miami, FL 33131

Refyne is one of India’s most trusted Financial Wellness platforms. Refyne has a wide range of products including UPI Scan and Pay, Salary On-Demand, Digital Gold and Insurance and is a One-Stop Shop for all your financial needs. Refyne Offers: * Salary On-Demand - Access funds up to 1.5x of salary * Money Guru - Access expert financial tips and tools like Tax & Home Loan Calculator, PF tracker, Credit score check and more * Gold Savings - Save in 24K Digital Gold starting from ₹10, 99.5% Pure Gold with doorstep delivery of physical gold Refyne has partnered with RBI-authorised NBFCs - * Refyne Finance Private Limited (https://www.refynefinance.com/our-digital-partners) Important Things to Note About Refyne Salary On-Demand - * Loan Amount: Rs 1,000 to Rs 10,00,000 * Minimum Annual Percentage Rate (APR): 8%, * Maximum Annual Percentage Rate: 36% (reducing balance) * Minimum repayment period: 90 days, Maximum repayment period: 24 months * Processing Fees: Max (₹350 + GST, Up to 1%-5% of loan amount plus GST) * Prepayment Fees: Zero * Late fee: Zero Below is an example of the fee breakup for a Salary On-Demand transaction: * Loan Amount: ₹10,000 * Minimum repayment period: 3 months * Maximum repayment period: 12 months * Interest rate: 0% (for the first 3 months), 4th month onward, 16% p.a. reducing * Processing fee: ₹99 * GST on processing fee: ₹18 * Total interest: ₹678 (calculated from 4th to 12th month, in total 9 months) * APR: 16% * Disbursed amount: ₹9,883 * Total loan repayment amount: ₹10,678 Our policies & services are fully regulated & 100% compliant with NPCI and RBI guidelines. Eligibility Criteria: * Indian nationality * Applicant's age should be 21 & above * Only for employees of partnered companies. This is a closed marketplace and is not intended for public use. * The user must be an active employee of the partner company for at least three months and have signed employment agreement forms with their employer. Documents Required: * PAN * Aadhaar * Employment details How to use Refyne App: * Sign up with your number or work email * Complete the KYC process and add the bank account * Enter the Amount to be withdrawn * Automatic deduction takes place as per the agreed repayment schedule Privacy Policy: https://www.refyne.co.in/privacy Terms & Conditions: https://www.refyne.co.in/terms In case of any query, reach us at : support@refyne.co.in OR 080-64899999 Address: Prestige Pegasus, Sarjapur - Marathahalli Rd, Ambalipura, Haralur, Bengaluru, Karnataka 560103 Disclaimer: The application is SSL-certified, and all transactions are 100% safe and secure.