Venmo vs Current

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

Power up your paycheck when you switch to Current. Get paid faster, save smarter, and build credit with ease—all in one app. Join over 6 million members already banking with Current today. With Current you can: — Advance up to $750⁶: Access more of your paycheck if you qualify. — Overdraft fee-free⁵: Breeze from payday to payday without hidden fees. — Get paid up to 2 days early²: Receive your direct deposit as soon as your employer sends it. — Build credit while you bank. — Earn 1% cash back on eligible categories with your Build Card⁴. — Enjoy 24/7 member support. — Access 40,000+ fee-free ATMs nationwide¹. — Add cash in-store at locations like CVS, Walgreens, and McDonald’s. — Earn up to a 4.00% bonus on savings³ and save automatically with Round-Ups. See current.com/docs for full terms and conditions and current.com/legal_disclaimers for more info. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. ¹ Most AllPoint® ATMs are fee-free. To see if an ATM qualifies for fee-free ATM transactions, please check the Mobile App. ² Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Delays by the employer, payer, or their banks may result in delayed access to funds beyond our control. ³ Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, you must receive at least one Eligible Payroll Deposit equalling a minimum of $200 over a 35-day period. T&C: current.com/boost_terms_of_service ⁴ For eligible customers only. To earn Points, you must receive at least one Eligible Payroll Deposit of at least $200 over a 35-day period, and as applicable, make Build Card purchases at retailers whose merchant code is classified as either (i) Dining (e.g., restaurants) and Groceries (e.g., supermarkets) or (ii) belonging to the category or categories selected in the app, and complete other actions that Current may designate. Allow 3-5 business days for Points to post to your Current account. Points expire 365 days after they settle. T&C (including specific eligibility criteria): current.com/current_points_terms_and_conditions ⁵ Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive a minimum of $200 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. T&C: current.com/overdraft_protection_terms_of_service ⁶ For eligible customers only. Paycheck Advance is offered by Finco Advance LLC, a financial technology company, not a bank. T&C: current.com/docs/paycheck_advance_terms