MyRaif vs Patch Systems

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.

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.