myRAMS vs Payvel

myRAMS Mobile Banking is designed to give customers an easy to use, intuitive and secure environment. • It’s faster, simpler and more consistent. • Separate BPAY and Payee limits • Intuitive design means simpler, faster access to key functions • Check account balances, transactions, account details • Schedule and manage payments, including BPAY® • Move money between accounts, Payee or Biller. • Quick logon - use your fingerprint, Face id or 4-digit PIN to logon. • Manage your settings Information is current at the time of download and subject to change. Terms, conditions and eligibility criteria, fees and charges apply. Pepper Money Limited ABN 55 094 317 665 AFSL and Australian Credit Licence 286655 is the servicer of home loans owned by Pepper Finance Corporation Limited ABN 51 094 317 647. For RAMS loans and RAMS deposit accounts closed on or before 31 July 2026: Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Pepper Money Limited also services these accounts. Pepper Money Limited and its subsidiaries use the RAMS trademarks and brands under licence from RAMS Financial Group Pty Ltd. BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

Send money to your loved ones around the world quickly, securely, and at competitive exchange rates. Payvel makes international money transfers simple, affordable, and reliable, helping you stay connected with family and friends wherever they are. Payvel supports transfers to more than 16 countries and offers a seamless digital experience from your mobile device. Why Choose Payvel? Fast international money transfers Competitive exchange rates Low-cost and transparent pricing Secure transactions with 256-bit encryption Real-time exchange rate tracking Rate alerts for your preferred currencies Multi-currency support Budget and spending management tools 24/7 customer support AUSTRAC-registered service provider Send Money with Confidence Whether you're supporting family, paying for education, managing overseas expenses, or sending regular remittances, Payvel provides a secure and convenient way to transfer money internationally. Monitor your transfers, track exchange rates, and manage your finances all from one app. Smart Financial Tools Payvel is more than a money transfer app. Stay informed with live currency rates, create personalized rate alerts, monitor your spending, and manage multiple currencies with ease. Specialized hubs for remittance, travel, and student needs help you make better financial decisions. Security First Your security is our priority. Payvel uses bank-level 256-bit encryption and industry-standard security measures to protect your personal information and transactions. Download Payvel today and experience a smarter way to send money globally. Fast, secure, and designed for modern international payments. Keywords: international money transfer, remittance, send money abroad, foreign exchange, currency transfer, global payments, money transfer app, exchange rates, overseas transfer, secure payments.