Venmo vs Prepaid TWINT & other banks

Venmo is the fast, safe, social way to pay and get paid. Join over 90+ million people who use the Venmo app today   SEND AND RECEIVE MONEY Pay and get paid for anything from your share of rent to a gift. Add a note to each payment to share and connect with friends SPLIT A REQUEST AMONG MULTIPLE VENMO FRIENDS You can now send a payment request to multiple Venmo friends at once and customize the amount each person owes   GET REWARDED WITH THE VENMO CREDIT CARD Earn up to 3% cash back on your eligible top spend category¹ —we’ll do the math. Split card purchases with Venmo friends, and shop everywhere Visa® credit cards are accepted—online, in-store, worldwide² BUY CRYPTO WITH AS LITTLE AS $1 Buy, hold, and sell cryptocurrency right on the Venmo app. New to crypto? Learn more with in-app resources. Crypto is volatile, so it can rise and fall in value quickly. Be sure to take it at a pace you're comfortable with³ SHOP WITH THE VENMO DEBIT CARD Spend your money in Venmo everywhere Mastercard® is accepted around the globe — and earn cashback from some of your favorite spots. Terms apply: venmo.me/rewards⁴ VENMO TEEN ACCOUNTS A debit card of their very own and a Venmo account to send money to trusted friends and family⁵. All with no minimum balance or monthly fee   DO BUSINESS ON VENMO Create a business profile for your side gig, small business, or anything in between—all under your same Venmo account MANAGE YOUR MONEY Get your Venmo money in the bank within minutes using Instant Transfer⁶. Want your paycheck up to two days earlier* than your normal payday? Try Direct Deposit   ¹Use of cash back is subject to the terms of the Venmo account. See Rewards Program Terms: https://www.synchronycredit.com/gecrbterms/html/RewardsTerms.htm ²Application subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. You must have a Venmo account in good standing, that has been open for at least 30 days prior to application The Venmo Credit Card is issued by Synchrony Bank pursuant to a license from Visa USA Inc. VISA is a registered trademark of Visa International Service Association and used under license ³Terms apply. Only available in the US and limited in certain states. Buying and selling cryptocurrency is subject to a number of risk and may result in significant losses. Venmo does not make any recommendation regarding buying or selling cryptocurrency. Consider seeking advice from your financial or tax adviser ⁴The Venmo Mastercard® is issued by The Bancorp Bank, N.A., pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp Bank, N.A. is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from Venmo ⁵ The Venmo Teen Debit Card is available for eligible users 13-17 years old with parent or legal guardian sign up. Terms apply ⁶ Transfer speed depends on your bank and could take up to 30 minutes. Transfers are reviewed which may result in delays or funds being frozen or removed from your Venmo account. * The availability of Direct Deposit is subject to your employer sending paycheck information 1-2 days in advance of payday. Early access compared to standard banking practice of posting funds at settlement and subject to your employer providing pay information to the bank prior to payday. It may take up to two pay cycles for Direct Deposit to take effect. Transactions are reviewed, which may result in delays or funds being frozen or removed from your account. Emoji artwork is provided by emojitwo.github.io/, originally released as emojione.com/ by Ranks.com with contributions from the Emojitwo community and is licensed under creativecommons.org/licenses/by/4.0/legalcode Venmo 2211 N. First St., San Jose, CA 95131

TWINT is Switzerland’s digital cash. With TWINT, you can make convenient and secure payments using your smartphone. All TWINT functions: - Send and request money - Make quick and secure payments in online shops - Buy digital vouchers, pay for your parking and make donations in TWINT+, directly in the app  - Make convenient and secure payments at cash registers, in farm shops and vending machines - Store customer loyalty cards and employee cards in the app - Benefit from discount coupons and digital stamp cards Switzerland’s biggest banks offer their own version of the TWINT app. Please search in the App Store for the name of your bank together with the term “TWINT”.  Top up credit: The TWINT prepaid solution can be used by everyone, regardless of at which bank your account is - Top up via your bank account (direct debit) - Top up via a deposit slip - Top up via a voucher code Security: TWINT is as secure as e-banking. All transactions take place in a secure environment. TWINT also does not disclose any personal data to third parties. The money is not stored directly on the smartphone. If your smartphone is lost or stolen, or if you suspect fraud, please follow the instructions at www.twint.ch/block.