MyRaif vs FinKernel

Join MyRaif – a simple, free and fast mobile app from Raiffeisen Bank in Ukraine for managing your finances without branches or queues, trusted by millions of Ukrainians. Over 800 000 users, 200 000+ clients connected cashback, and more than 2 million transactions every day. Express yourself with stylish money manager! Digital banking is on top - let no air raid alert or power outage stop you from: - Paying your café bills, for a taxi, cinema tickets, food delivery, tuition, medical insurance, mobile or car expenses on time - Shopping in stores or online - Repaying loans and getting online credit: money directly to your card - Paying utilities bills - Making transfers or control your child’s expenses - Getting credit money until salary or any quick loan for your needs - And even paying traffic fines or games fees Trust yourself and your money wallet: keep your daily expenses and income under control – just pay and be calm “My Raif is MyRaif”! NEED TO OPEN A CARD? - Download and install MyRaif mobile application. - Follow identity verification with the help of id-card/foreign passport/tax number or via Diia, confirm your mobile number - Select the card and follow the prompts on the screen Your card is ready, no paper documents needed! CONVENIENT BANKING - Catch discounts with cards Visa Fishka on OKKO and ATB in shops daily – convenient wallet is always nereby. - Easily analyze your spending with detailed and transparent transaction history. Be sure: “My expances are under control!” - Want to find nearest ATMs and branches? Interactive map will help. - Get support through a convenient chat. Our operators will help you quickly resolve any issues. - Protect yourself and your loved ones – apply for insurance just in one click – our health and cars are protected! - Security is first: 3DS protects your online purchases. TRANSFERS - Transfer money from card-to-card of any Ukrainian bank quickly – no commission. Use easy and fast IBAN transfers. Save your main transfers in “Favorites” and easily repeat them. - Receive international MoneyGram transfers directly in the app. Safe and convenient. - Stay in touch with your family and friends - top up your mobile account in MyRaif for free! - Send and receive money using only a phone number – no card number needed. DEPOSITS - Save with SKRYNYA for gifts, vacation, car, support for the Armed Forces of Ukraine, education, or a financial cushion. - Open Progressive and Classic deposits in UAH and foreign currency. CASHBACK - Choose cashback categories in our app and make your purchases even more enjoyable. View your cashback and purchase history to see what brings you most benefits. - Connect your existing cards to National Cashback program and get benefits from your purchases! Or open new National Cashback card in MyRaif and get cashback on it. CURRENCY EXCHANGE - View valid currency exchange rates and buy currency quickly. Keep in mind profitable kursopad! - Open currency cards for dollars and euros. MY CREDIT - A credit card with a 100-day grace period for all your ideas. - Cash loans for repairment, electronic devices, auto or other purposes. Choose a convenient payment date to be in line with your plans. FOR ENTREPRENEURS - Open a sole proprietorship (FOP) account to work with clients and partners. No fees for account opening, maintenance, or transfers — details available immediately. Order a POS terminal and enjoy no subscription fee for the first month of use. - Instant switch between “personal cards vs business account” within a single profile. Full control over cash flow, up-to-date card and account statuses, account statement generation, payment search by name or amount, copying card and account details, and creating QR codes from details. Follow the update to take advantage of even more MyRaif features. Raiffeisen Bank JSC. Entered in the State Register of Banks on March 27, 1992, under No. 94, with a record of the right to conduct banking activities under No. 10.

FinKernel is a private standard ledger for people who want more than a simple expense log. Track daily transactions, cash-flow timing, account roles, assets, liabilities, and net worth from one local-first data engine. FinKernel is built for the real financial questions behind FIRE planning, gap years, and layoff preparation. Key features: • Fast transaction entry with essential and passive-income flags • Ledger, cash-flow, and double-entry accounting modes • Accounts for cash, checking, savings, brokerage, retirement, HSA, credit, and loan workflows • Assets, liabilities, net worth, debt ratio, and passive-income summaries • 12-month cash-flow forecast for income, spending, debt payments, and known future bills • Local-first storage designed around SQLite and device-controlled data • Ecosystem-ready profile outputs for companion planning apps FinKernel is designed for privacy. Your financial data starts on your device, and the shared ledger model is built to support local backups and controlled cross-app imports. This app is for personal planning and bookkeeping only. It is not financial, tax, investment, or legal advice. Privacy Policy: http://mindkey.xyz/index.php/zensee-studio/privacy-policy/ Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/