Send App (Prev. Send) vs Cleva App

What does it matter in Lagos, Nairobi, Addis Ababa, or London? Use Send App to quickly and reliably send money to local bank accounts and even mobile money wallets whenever you want. GUARANTEED GLOBAL TRANSFERS Powered by Africa’s largest payments provider, Send App gets your money transfers settled in minutes–or days depending on the payment method. Regardless, your transfers will always hit home to serve the need they were meant for. NO BARRIERS: MULTI-COUNTRY SUPPORT English or French? We speak both fluently and will add more. So, pick a language you are comfortable with and start making instant money transfers within countries like the UK, US, Nigeria, Kenya, Germany, Ireland, Cote D’Ivoire, and Ethiopia. CHOOSE HOW YOU PAY Make transfers from your bank account, with card payments or Apple Pay. What else? You can securely save cards and make future transfers with a few taps. No stress! NEVER GET LOST Aside from our global support team–manned by actual people–you have an in-app assistant that gives fast answers to questions you might have. NO TRANSACTION FEE Send money to your loved ones without any transaction fees. Enjoy seamless transfers at no cost. SEND APP IS SECURE AND SAFE Send App is powered by Flutterwave - Africa’s largest payment network - using the same infrastructure that powers some of the biggest companies in the world. ISO 27001 & 22301 Certification Flutterwave is ISO ISO 27001 & 22301 certified, which means that we have acceptable business practices and processes, including a robust business continuity plan. PA DSS & PCI DSS Compliant This certification is proof that Flutterwave as a payment gateway processor, has satisfied the highest level of Security Audit and authorizations. LEGAL AND ADDRESSES United Kingdom Flutterwave UK Limited with Registration No. 10593971 and Registered Address: 41 Luke Street, London, United Kingdom EC2A 4DP, is registered with the Financial Conduct Authority as an EMD Agent (Ref. No 902084), of PayrNet Limited, an Electronic Money Institution authorized and regulated by the Financial Conduct Authority (Ref. No 900594) for the issuance of electronic money and payment services. Your account and related payment services are provided by PayrNet Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 - for more information please see: https://www.fca.org.uk/firms/emi-payment-institutions-safeguarding-requirements. Lithuania Flutterwave (LITHUANIA) Limited, a private legal person with limited civil liability UAB "Flutterwave/Client" registered under the laws of Lithuania with Registration No. 305630842 and Registered Address: Vilniaus g.31, LT-01402 Vilnius. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see: https://www.eba.europa.eu/regulation-and-policy/single-rulebook/interactive-single-rulebook/5482 Canada Send App by Flutterwave is regulated by FINTRAC (Financial Transactions and Reports Analysis Centre of Canada), located at 15 Wellesley Street West, Suite 313c, Toronto, Ontario M4y 0g7. You can contact FINTRAC at +1-877-701-0555. We process inbound remittances through licensed partnerships with FINTRAC as a Money Service Business.

On Cleva, your money has no boundaries. Here’s why over 1M people trust Cleva: 1. Swift onboarding 2. Competitive exchange rates 3. Transparent pricing, no hidden or monthly fees 4. Fast, reliable, and secure experience Send money across borders Instantly transfer to family and friends in Nigeria, Ghana, Uganda, and other African countries. Just add a destination bank or mobile money account, verify the account details, initiate your transfer, and watch the money get delivered immediately. Receive USD payments Whether you’re a freelancer, remote worker, content creator, or entrepreneur, receive ACH and Wires from your employer and clients without hassle. Receive stablecoins with ease Receive USDT or USDC into your Cleva wallet in minutes, giving you more ways to fund and grow your money. Transfer to friends on Cleva Instantly transfer to your friends on Cleva for FREE. Convert at the best rates Instantly convert currencies at very competitive exchange rates. Even better, there are no fees to convert, it’s completely FREE. Spend globally with a virtual USD card Pay for international subscriptions, shop online, or make global payments easily with your Cleva USD card. Protect your money from volatility Save and hold your funds in USD. Exchange only when you want to, at the best rates. Earn and redeem Cleva Points Get rewarded every time you transact! Earn points when you transfer or receive a deposit, then redeem your points for USD and more. Refer and earn Invite your friends and earn when they transact on Cleva. The more friends you refer, the more you earn, and you can keep earning infinitely. 24/7 Support Cleva is always available to assist 24/7 whenever you need assistance. You can reach us via in-app chat or email at contact@getcleva.com. You can also reach us on our social media channels: Twitter: @clevabanking Instagram: @clevabanking Linkedin: @cleva-banking [:mav: 2.4.5]