Rova App vs Shoal

Open a multi-currency account (GBP, NGN & USD) in just a few taps. Rova helps you hold, move, and manage money across borders simply and securely. From everyday spending to longer-term plans, everything you need lives in one thoughtfully designed app. Whether you’re earning internationally, paying bills, or planning ahead, Rova keeps your finances organised and in your control. What you can do with Rova Hold & Move Money Globally Send and receive money locally and internationally with ease. Manage multiple currencies in one place and make cross-border payments without unnecessary delays or hidden charges. Save Intentionally Create a Savings Vault (in Naira & British Pounds) to set money aside for what matters and earn competitive interest. Spend with Ease Pay bills, subscriptions, and everyday essentials directly in the app. No switching platforms. Support When You Need It Get help anytime through in-app chat and responsive customer support. Why Rova Regulated & Trusted Rova operates under FCA and CBN regulations and is backed by FCMB Bank (UK) Limited. Your Money, Fully Protected GBP and USD balances are covered by the UK’s Financial Services Compensation Scheme (FSCS), while NGN funds are protected by the Nigeria Deposit Insurance Corporation (NDIC). Certified Security Standards We’re ISO 27001 certified and PCI DSS compliant, meeting globally recognised security standards. Built-in Protection Enjoy biometric login (Face ID / Fingerprint), device controls, and advanced fraud prevention - all designed to keep your money and data safe. Download Rova and experience money that’s borderless, effortless, and designed for modern life.

Earn a great return on your savings as you help support a global portfolio of sustainable projects. Can you increase your savings as you help lower CO2? Shoal you can. - All in. 100% of your money helps support a global portfolio of green and social projects and companies². - Track your contribution. See the CO2e avoidance and clean water you help generate with your savings while growing your wealth². - Good for your wallet, good for the world. Contribute to a range of the United Nations' Sustainable Development Goals². All Savings Pots up to £85,000 are protected by FSCS³. - Shoal's mission Our mission is to empower people to achieve their financial goals while promoting environmental and social responsibility. — 1. Rates shown are indicative, latest rates are available in the Shoal App. Rates shown are annualised (AER). Returns on savings are repaid at the end of the savings term. 2. The impact of your savings is reflected in CO2 avoided or clean water generated, however these are benchmark statistics and do not guarantee that all products that your savings support directly contribute to the generation of clean water or reduction / avoidance of CO2 emissions. The Sustainable Finance portfolio against which your savings are referenced is provided by Standard Chartered Bank. Standard Chartered Bank is authorised by the PRA and regulated by the FCA (FRN 114276) and the PRA. For more information on the wider portfolio of sustainable projects and companies your savings help to support and how your impact is measured, read our FAQs. 3. For more information on how we ensure that your funds are kept safe at all times, read our FAQs.