ComGrow vs Paymaart

ComGrow makes saving simpler, whether you are saving with a group or building towards a goal on your own. Run your village bank from your phone with ComGrow: create or join a group, make contributions and repayments, request and approve loans, manage payouts, and see balances and group activity in real time. Everything is recorded automatically, so everyone has clear records and the group stays in control. Saving on your own? Savings Stash gives you your own savings wallet with rules that help you stay disciplined. No group. No members. Just you, your money and your rules. WHAT YOU CAN DO • Create or join a village banking group • Make contributions and repayments in the app • Request, approve and manage loans • Manage payouts • See balances and group activity in real time • View clear, automatically updated records • Save individually with Savings Stash HOW TO GET STARTED Download ComGrow and create your account. Create a new group or accept an invitation from your group admin, invite your members and set your group rules together. If you are saving alone, simply open a Savings Stash and choose your rules.

Paymaart: Your Financial BFF Paymaart is the smart way to pay, get paid, and stay in control of your money in Malawi. From airtime bundles to everyday payments, Paymaart keeps everything in one simple, secure app. Quick, Paperless Registration Sign up in minutes with our secure Online KYC process. Enjoy bank-level protection with two-factor authentication. Cash-In & Pay-In • Cash in at any Paymaart agent or via bank transfer. • Move your cash into digital money quickly and safely. • Transaction limits up to 5,000,000 MWK keep you ready for anything. Membership Plans • Join Prime or PrimeX for 30 or 91 days. • Enjoy zero transaction fees on member plans. • Get great value, every time you transact. Pay Afrimax & Pay Airtel • Pay Afrimax o Pay directly into your Afrimax account from Paymaart. o No delay and no manual intervention. o Confirm your Afrimax ID, choose the amount, and you’re done. • Pay Airtel o Buy Airtel Malawi bundles for any Airtel phone number, right inside Paymaart. o Top up your own line or someone else’s in a few taps. o Paymaart remembers your recent Pay Airtel and Pay Afrimax transactions, so repeat payments are even faster. Send Money Instantly • Send money to anyone, even if they’re not on Paymaart yet. • Ideal for rent, family support, and shared expenses. Merchant Payments • Pay at participating shops and merchants with QR codes or USSD. • Your phone becomes your payment device. Transaction History • See up to 90 days of transactions. • Track your spending and stay in control. In-App Guidance • Tap (i) for instant tips and explanations. • Use our Guides and FAQs to learn as you go. 24/7 Support • Get help any time by emailing hello@paymaart.com. • We’re here when you need us. Earn Interest • Eligible balances earn quarterly interest. • Make your money work harder for you. Easy Cash-Out • Withdraw cash at any Paymaart agent. • Move seamlessly between cash and digital money. USSD Access • No smartphone? Dial *480# to access Paymaart services. Security • Two-factor authentication. • End-to-end encryption. • Strong protection for your account and your data. User-Friendly Interface • Clean, simple screens. • Built for fast, everyday use. Exclusive Offers • Look out for in-app deals and promotions available only to Paymaart users. Download Paymaart today and take control of your money with simple, secure, and direct payments — including Pay Afrimax and Pay Airtel — all in one app.