ABN AMRO vs Pentos

Make the move towards digital banking. The ABN AMRO app is for everyone, beginners and professionals alike. Children are able to use the app, and business clients can easily use it to do lots of their banking. Thanks to the app, you can always see all your everyday banking affairs at a glance and you can bank quickly and securely, wherever you are. Get started with ABN AMRO too. Open a personal account in the app - it’s a breeze! You can even open a current account in the app using your international passport in many cases. No need to go to a branch. You can do more with the app than you may know, like: • log in to Internet Banking and confirm orders securely there • get connected immediately with the right customer service representative • change your personal details and settings • block or unblock your debit card or request a replacement • manage your digital debit cards • send a Tikkie payment request And of course you can also: • do your banking right in the app and pay using iDEAL • view your transactions, balance and bank accounts • transfer money and schedule payment orders • get notifications about deposits, withdrawals and direct debit transactions • make investments, add to your savings, and view and take out a mortgage or insurance • add accounts held at other banks to your overview Doing your banking using the ABN AMRO app for the first time If you already have a personal or business ABN AMRO current account, you can start using the app right away. Secure banking Once you’re logged in to the app, you can confirm transactions using the 5-digit ID code, and often with your fingerprint or Face ID. Be sure to keep your personal ID code secret. Just like your PIN it’s meant for you alone. Also only register your own fingerprint or face on your device. You can read more about secure mobile banking at abnamro.nl/veiligmb.

Give every unit of money a job. Pentos brings classic envelope budgeting to a modern ledger: assign what you have to category envelopes each month, spend against them, and watch what's left roll forward. You buy it once. It works entirely offline. Nothing about your money ever leaves your iPhone. WHY ENVELOPES Budgets fail when they're forecasts. Envelope budgeting only deals in money you already have: fund Groceries, fund Rent, and when an envelope runs dry, the shortfall is charged back against next month, so the numbers stay honest. Categories can carry their debt forward instead if you prefer. YOUR LEDGER, COMPLETE - Accounts with running and cleared balances, on- or off-budget - Fast entry with payee autocomplete, split transactions, and transfers that stay mirrored across both accounts - Statement reconciliation that locks rows once they match your bank - Search, rich filters, #tags, bulk edit, and a flag on anything still uncategorized RULES THAT DO THE TYPING Teach Pentos once: rules rename messy payees, set categories, and run on every import. Apply a new rule back through history in one tap. Payee merge tidies duplicates and never touches a reconciled row. SCHEDULES AND GOALS Scheduled transactions post themselves, or wait for your OK, and never drift: Jan 31, Feb 28, Mar 31. Give any envelope a target: a fixed amount, a save-by date, a share of income, and more. Then fund every goal in one tap. TWO WAYS TO BUDGET Strict envelopes, or a lighter tracking mode that simply shows what you saved or overspent each month. Switch any budget file between the two at any time without losing data. SEE WHERE IT GOES Net worth, cash flow, spending breakdowns, comparisons, and a calendar heat map, plus a dashboard you arrange yourself from saved report cards. A privacy switch redacts every amount when someone is looking over your shoulder. UNDO ANYTHING The undo arrow takes it back: edits, bulk changes, deletions. Hold it for a labeled history. Shake to undo works too. BRING YOUR BANK WITH YOU Import CSV, OFX/QFX, or QIF statements. Pentos learns each account's column layout, catches duplicates automatically, and re-importing the same file is always safe. PAY ONCE, KEEP IT FOREVER Pentos is not a service. There is no subscription, no account to create, and no server your budget depends on. Buy it once and it keeps working. LEAVE WHENEVER YOU LIKE One tap exports your entire budget as a portable backup file you can restore on any iPhone running Pentos, or as plain CSV for spreadsheets. It's your data, and you can take it with you anytime. PRIVATE BY DESIGN Pentos makes no network connections. No analytics, no telemetry, no cloud. Its privacy label reads "Data Not Collected" because there is nothing to collect. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://pentosbudget.com/privacy