Venmo vs Cash App

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

The easy way to spend, save, and invest. Pay anyone in cash or bitcoin instantly and enjoy free Lightning Network transfers with compatible wallets. Start saving by rounding up spare change to the nearest dollar or invest in stocks, ETFs, or bitcoin.**** Experience a faster, simpler way to bank.* Set up direct deposit and get your paycheck up to 2 days early. Order a customizable debit card for free** and add it to your digital wallet. Save on everyday spending with exclusive offers. Download Cash App and create an account in minutes. CASH APP FEATURES P2P PAYMENTS • Send & receive money or bitcoin for free instantly • Pay people using their phone number, email, $cashtag, or QR code • Keep your money safe from fraud with advanced security features CUSTOMIZABLE DEBIT CARD • No hidden fees: Your card works where Visa® is accepted • Customizable: Make it personal & add it to your digital wallet • Safe & secure: Receive real-time transaction alerts & 24/7 fraud monitoring • Instant discounts: Save on spending & check out securely in person & online SIMPLIFIED BANKING SERVICES* • Set up direct deposit & get paid up to 2 days early • Get paid in bitcoin with no fees • No monthly balance minimums or activity requirements • Withdraw from in-network ATMs for free when you earn Green status*** • No overdraft fees & up to $200 in free overdraft coverage on Cash App Card transactions when you qualify for Green status *** EXCLUSIVE DISCOUNTS & SAVINGS • Earn up to 3.5% when you have Green status*** • Round up your spare change to the nearest dollar to start saving • Enjoy exclusive discounts on top brands & events with your Cash App Card • Get access to concert presales & exclusive events STOCK & BITCOIN INVESTMENTS • Buy stocks with no commission fees • Automatically buy bitcoin with zero fees, zero spread • Buy stock & bitcoin with custom orders or auto invest Cash App offers simplified financial services for everyone 13 and up with an account sponsored by a parent or guardian.***** Do more with your money and download Cash App today. — *Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Cash App Visa® Debit Flex Cards issued by Sutton Bank, Member FDIC, and The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc. See terms and conditions at cash.app/legal. Discounts, Round Ups, Direct Deposit, Offers, Savings, P2P and Cash App Green features provided by Cash App, a Block, Inc brand. Offers may not be affiliated with third party merchants. **Card use fees apply. Free cards come in black or white. ***Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information on borrowing, free overdraft coverage, savings interest, free in-network ATM withdrawals. ****Brokerage services by Cash App Investing LLC, subsidiary of Block, Inc. For additional information, see cash.app/CAIdisclosures. Bitcoin services provided by Block, Inc. Bitcoin services are not licensable activity in all U.S. states and territories. For additional information, see Bitcoin disclosures. Additional fees for securities may apply such as regulatory fees and fees to transfer securities externally. See house rules for details. *****Teens 13 to 17 can use Cash App with sponsorship by an eligible parent or guardian. See eligibility requirements at cash.app/legal. Contact Cash App Support by phone at (800) 969-1940 or mail at: Block, Inc. 1955 Broadway, Suite 600 Oakland, CA 94612