Alliance vs Patch Systems

Alliance is a mobile banking app for everyday life and business in Ukraine, from JSC "Bank Alliance" — a licensed Ukrainian bank. Open an account and cards online, send money, pay for utilities, exchange currency, and run your finances as a sole proprietor — all in one place. One smart app covers the everyday — from household bills to entrepreneur payments. It is digital banking built for daily tasks: a couple of taps to make a transfer, check your balance, and keep your budget on track. Availability of individual products depends on customer status, current tariffs, and limits. Cards, accounts and Google Pay • Credit card Startova, debit Tsilova, and Ihrova for gamers. • Choose virtual or plastic — issued in the app, reissued when needed. • Full card and account details are always at hand. • Add your card to Google Pay and start paying in stores and on the web. • Top up your balance with cash or from another bank. • Manage limits and check what you spend anytime. • Cashback on purchases — rates and categories under the program terms; the Ihrova card has its own promo rules in categories such as gaming, entertainment, and education. Payments and transfers • Send funds between your cards in a one click. • Payments by IBAN — budget and commercial. • Pay for utilities and the internet — electricity, energy, gas, and more — and settle any bill without leaving the app. • Mobile top up for your number or your family. • International money transfers available in the app. • Save favorite payments and repeat any payment in one tap; receipts and transaction history stay within reach. • Need a statement or a certificate? Generate financial documents right in the app. Currency exchange and deposits • Tsilova supports FX operations: buy and sell online, with the rate always shown in the app. • Deposits with interest capitalization or payout at the end of the term; early termination is available. • Buy currency to fund a deposit — subject to the current terms and limits. • Open a deposit and grow your savings from your smartphone — no branch visit required. Credit limit and advanced installments • Startova: apply for a credit limit of up to UAH 300,000 with a grace period of up to 92 days. • The decision is made after your application is reviewed, and you apply right from the app. Credit products are available to customers aged 21+ under the current terms. • Installments: split a purchase and repay it in convenient parts under the product terms. For entrepreneurs and business • Open an account for a sole proprietor (FOP) or a legal entity online. • Keep personal finance and business funds side by side — one app instead of several. • Statements and documents — ready when you need them for reporting. • Entrepreneur tools next to everyday spending — no switching between services. Also in the app • Branch and ATM map — find the nearest service point. • The FX rate at a glance every day — no calls or branch visits needed. • Your money and products available 24/7 — the app is always with you. • Referral bonus for inviting friends — under the program terms. Getting started Registration takes a few steps and is available from age 16: 1. Download the Alliance app. 2. Confirm your phone number. 3. Choose a product — one of the cards or an account for your business. 4. Complete id verification via the Diia app or a selfie video chat. 5. Get virtual card or physical card via Nova Poshta express delivery manager Banking services in Ukraine are provided by JSC "Bank Alliance". NBU banking license No. 97 dated 17 November 2011. Product terms, tariffs, and limits are available in the app and at alb.ua.

Patch Systems is for people who work at businesses that use Patch Systems. Your employer turns it on, and it costs you nothing to have. Reach pay you have already earned You worked the hours. You should not have to wait until Friday to reach the money. Take what you have earned so far this pay period, up to half of it, whenever you need it. Standard transfers cost nothing. Instant transfers cost $3.99. No interest, no credit check, and nothing comes out of your next check beyond what you took. Every shift adds to it. Work an hour and a little more is ready. A loan that is not a payday loan Between 1,000 and 5,000 dollars at 19.99 percent fixed APR, paid back over twelve months straight out of your check. No credit check. You need twelve months with your employer to qualify, and it is not available in every state. The Patch Card A payroll Mastercard that holds your pay and your transfers in one place. No monthly fees and no minimum balance. Use it anywhere Debit Mastercard is accepted, or activate a virtual card for buying online. One app Your earned pay, your loan and your card in the same place. Set up direct deposit, see what you have earned this period, and move money without asking anyone. ---- Rates, terms, fees and availability vary by state, by employer and by your own qualifications. Workplace loans are originated by Sunrise Banks, N.A., Member FDIC, and are not available in all states. The Patch Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to a license by Mastercard International Incorporated.