TellerOne® vs Swapmoney

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.

SwapMoney is a UK-based Money Services Business (MSB) dedicated to simplifying cross-border payments. With a commitment to compliance, security, and transparency, SwapMoney offers a user-friendly platform for individuals and businesses to send and receive money across borders. The company's mission is to empower customers with secure, accessible, fast, and efficient financial solutions, making cross-border payments easier and more convenient. From the UK, Swapmoney offers remittance and cross-border payments to over 100 countries such as Nigeria, Kenya, USA, China, Japan, Turkey, Europe, etc. in over 30 currencies. Key Features: Zero Cost on Transfers: Enjoy fee-free money transfers, so you can send and receive money without worrying about hidden charges or service fees. Instant Transfers: Send money to your loved ones instantly, whether they're just around the corner or across the globe. No more waiting for days to access your funds. Double the Convenience: Send money to two beneficiaries at once, effortlessly splitting your funds between family and friends. We make multitasking a breeze. Referral Bonuses: Use your unique referral code to invite friends and family to SwapMoney. When they make transactions, you both receive attractive referral bonuses. It's our way of saying thank you for spreading the love. Safety & Security: Rest easy knowing your financial transactions are protected by the latest security measures. Swapmoney is licensed in the UK by the Financial Conduct Authority (FCA), ensuring your peace of mind. Global Reach: Swapmoney allows you to send money to over 100 countries in more than 30 currencies. From the UK, you can seamlessly transfer funds to various destinations, including Nigeria, Canada, USA, China, Turkey, India, etc Experience hassle-free money transfers to your loved ones across the world with Swapmoney. How It Works: • Sign Up: Download the app, sign up with your details, and create a secure account. • Verify Your Identity: Verify your identity to gain full access to all features. We take security seriously. • Add Beneficiaries: Add your beneficiaries, whether it's family, friends, or business partners. • Transfer Funds: Simply select your beneficiary, enter the amount, and hit send. It's that easy! • Enjoy Benefits: Experience zero-cost transactions, instant transfers, and referral bonuses. SwapMoney is designed to make your financial life easier and more rewarding. Try it today and experience hassle-free money transfers like never before. You can Contact Us For any queries or assistance, our dedicated support team is available 24/7. Feel free to reach out to us at enquiries@swap-money.com or visit our website at remit.swap-money.com SOCIAL MEDIA CHANNELS Facebook – @Swapmoney Instagram- @Swapmoneyuk Twitter- @Swapmoneyuk Youtube -@Swapmoney