Kixy vs Beyond by RS2

All your accounts. All your friends. One place. Kixy is a group money app. Link your UK bank accounts via Open Banking, bring your people into Circles, and see your money and shared money together. Money has memory. Kixy remembers who paid, who owes and what it was for, so your group doesn't have to. ALL YOUR ACCOUNTS IN ONE PLACE Link current accounts, savings and credit cards from different UK banks and see them side by side in one app. Kixy shows what you have, what you've saved and what you owe, kept separate so your balance actually means something. No more switching between banking apps. CONNECTED THROUGH OPEN BANKING Accounts link through Open Banking, the UK's regulated way to connect to your bank. You approve access in your own bank's app, and you can remove it at any time. Kixy does not receive your online banking login details. ALL YOUR FRIENDS IN ONE PLACE Create a Circle for anything you share: a home, a trip, a relationship, a team. Chat, record expenses, and see where everyone stands, no matter which bank you use. SPLIT IT YOUR WAY Equally, by amount, by percentage or by share. Scan a receipt to split it item by item. You decide. ALWAYS CLEAR See who paid, who is owed and what is still outstanding. Gentle reminders keep things moving, so nobody has to chase. SEND MONEY ABROAD Send money internationally in multiple currencies. See the exchange rate and fee before you confirm. No surprises. SECURITY CONTROLS YOU CAN SEE Privacy mode hides your balance with one tap. Face ID, two-factor authentication and device management, all in one place. BUILT FOR REAL LIFE Flatmates sharing bills. Couples managing shared costs. Friends on a trip. Clubs collecting subs. Families supporting each other across borders. All your money. All your friends. One place. Kixy is available to UK residents aged 18 or over. Available banks and account types depend on what each bank supports through Open Banking. Kixy Ltd is registered with the Financial Conduct Authority as a Small Payment Institution (FRN 814005) for money remittance services. Account information and payment initiation services are provided by Yapily Connect Ltd (FRN 827001), authorised by the Financial Conduct Authority, with Kixy Ltd acting as its agent. Registered in England and Wales.

Beyond by RS2 is a secure app for managing cards issued by Beyond by RS2. Activate new cards, block lost ones, monitor transactions, and stay in control with real-time alerts and biometric login. Built for everyday users and finance pros alike, Beyond combines simplicity, security, and transparency. Card Management Made Simple Activate new cards instantly Lock and unlock your card anytime View transactions, limits, and card status in real time Download monthly statements and view contractual information Security & Trust Biometric login (Face ID, fingerprint) for secure access End-to-end encryption for sensitive card data Built for Our Cardholders Supports credit, debit, and prepaid cards issued by Beyond by RS2 Designed exclusively for Beyond cardholders Works across multiple devices and platforms Designed for All Users Beginner-friendly onboarding and help flows Structured tools for multi-card users and finance pros Intuitive, reliable, and easy to navigate Beyond by RS2 is built with empathy, precision, and compliance at its core. Whether you're activating your first card or managing multiple accounts, our customer-first flows adapt to your needs – with clear fallback messaging and structured guidance. Beyond each tap is encrypted infrastructure and biometric protection. From everyday users to finance professionals, Beyond by RS2 empowers you with clarity, control, and confidence.