TellerOne® vs NearPays

TellerOne® is a Nigerian financial service platform for instant money transfers, quick loans, savings & bill payment. No hidden fees. No queues. Send money to any bank in seconds. Open a TellerOne® account in minutes, built for every Nigerian who wants to transact smarter, save faster, and access instant loans stress-free. One simple app for students, freelancers, traders, professionals, and business owners. No paperwork. Just banking that works. Transfer — Fast, Free & Fully Digital Start sending and receiving money the moment you sign up. Send money to any Nigerian bank instantly with real-time alerts on every transaction. Anytime, from anywhere, 24/7. Pay all your bills from one app Electricity, Airtime, Data, TV, Sports Betting, and Government Payments. • MTN, Airtel, Glo, 9mobile airtime & data • IKEDC, EKEDC, AEDC electricity bill payment • DStv, GOtv, StarTimes subscriptions • Internet, Betting, Education & Government bills SAVE — Put Your Money to Work Earn up to 22% interest per annum (rates subject to change; T&Cs apply), paid upfront. Three flexible savings plans to match your goals: • SafeLock: Lock your funds & earn up to 22% interest, paid upfront • Target Savings: Set a savings goal and reach it faster • Regular Savings: Save and withdraw anytime with no lock-in. All deposits are insured by the Nigeria Deposit Insurance Corporation (NDIC). BORROW — Instant Loans, Zero Stress (Coming Soon) Access instant personal loans with competitive rates, approved in minutes, not days. No paperwork, no collateral, no guarantors. • Loans from ₦5,000 to ₦500,000 • Quick loan approval with decisions in minutes • Flexible repayment terms tailored to your salary cycle • No hidden charges. What you see is what you pay. • Salary advance available for eligible users CARDS — Your Debit Card, Your Way (Coming Soon) Request a physical or virtual Naira debit card instantly from the app. Use it at ATMs, POS terminals, and for online payments in Nigeria and internationally. • ATM cash withdrawals nationwide • POS payments across millions of terminals • Online payments locally & internationally • Full card controls in-app SECURITY — Bank-Grade Protection Every transfer, loan, and payment is protected by advanced encryption and real-time fraud monitoring, 24/7 with no exceptions. • End-to-end encryption on every transaction • Real-time fraud detection & instant alerts • Biometric login and BVN-linked verification • Instant transaction notifications SUPPORT — Always Here for You Our dedicated support team is available 24/7 for fast dispute resolution. Email: supportng@tellerone.com | In-app chat | Whatsapp: 09080048400 | www.tellerone.com/ng Follow us: @TellerOneNG (Instagram | X | Facebook | TikTok) HOW TO GET STARTED 1. Download the TellerOne® mobile app 2. Create your account in minutes 3. Complete BVN & NIN-linked KYC, quick and paperless 4. Fund your account instantly 5. Start transacting and live without barriers WHY NIGERIANS CHOOSE TELLERONE® • Free instant account opening • Instant transfers to all Nigerian banks • Quick loans from ₦5,000 to ₦500,000 • No hidden fees on any transaction • Up to 22% interest on SafeLock savings, paid upfront • Multiple savings plans for every goal • One-tap bill payment: electricity, airtime, data & more • Physical & virtual Naira debit card with full controls • Real-time spending insights & financial overview • Advanced encryption & fraud protection on every transaction • 24/7 Nigerian customer support team • Financial services powered by TellerOne FI Microfinance Bank, duly licensed by the Central Bank of Nigeria (CBN) • All deposits insured by Nigeria Deposit Insurance Corporation (NDIC) Read our full privacy policy at www.tellerone.com/ng/privacy Download TellerOne®, Nigeria's most intuitive digital banking app for mobile banking, instant loans, savings, and bill payment.

About this app Mobile Banking. Save. Virtual Dollar Card. Virtual POS. Bill Payment. Join thousands of satisfied users who trust Nearpays to manage their finances, make payments, and save effortlessly. Nearpays is your all-in-one financial app, enabling you to shop online, send money, pay bills, save, and receive payments—all from the convenience of your phone. 1. Virtual Accounts Easily manage and operate your virtual accounts with Nearpays. Receive and transfer funds securely, with full control over your transactions. 2. Send and Receive Money Send and receive money quickly and securely to friends, family, and business partners. With our advanced encryption technology, your transactions are always safe. 3. Spend Globally with Virtual Dollar Card Access global markets effortlessly with our virtual dollar card. Make online purchases, pay for subscriptions, and manage your international transactions seamlessly. 4. USD/NGN Savings Save in USD or NGN and earn competitive interest rates. Nearpays helps you build healthy savings habits with 2% monthly interest on your savings, ensuring your financial goals are within reach. 5. USSD Payments Receive payments with ease using our in-app USSD feature. Generate a code and get paid instantly, even without an internet connection. 6. Virtual POS Accept card payments directly from your phone with Nearpays Virtual POS. Activate your NFC feature and receive payments in seconds—no additional hardware is needed. 7. Bill Payment Pay all your bills effortlessly using Nearpays. We support payments for major electricity providers, including Abuja DISCO, Benin DISCO, EKEDC, Enugu DISCO, Ibadan DISCO, IKEDC, Kaduna prepaid & postpaid, Kano DISCO, PHC DISCO, and Yola DISCO. 8. Airtime and Data Purchase Buy airtime and data for yourself and your loved ones. We support MTN, GLO, Airtel, and 9mobile, making it easy to stay connected. 9. Get Notified Instantly Receive instant notifications for all your transactions, helping you stay on top of your finances. Security You Can Trust Nearpays is PCI DSS certified, offering you peace of mind with every transaction. Our app employs top-tier encryption to keep your data and transactions secure.