BILnet vs Euvena

BILnet: simple, fast, and easy to use. You can perform all of your essential transactions on your mobile! Manage, group, and rename your accounts independently - View your account and credit card balances and transactions in real time - Log in as the account holder or an agent - When you log in to BILnet as an agent, your accounts are now grouped. Tip: to make organising your accounts easier, feel free to rename your accounts and/or change the order in which they are displayed. Free instant payments, made in a few seconds and in just a few clicks! - Your eligible SEPA (single euro payment area) payments are now made instantly, within a few seconds, 24/7, and for free! * - If your instant payment cannot be made, for example if the receiving bank does not accept instant payments, then your payment will be treated as a standard transfer under the relevant time frame. The interface for your transfers and standing orders has been tweaked - Extra fields are now provided when entering details about the beneficiaries of your transfers. From your computer you can set up a standing order directly from the transfer entry screen. Just tick the “Make this a standing order” box. Tip: to avoid making a mistake when you enter your new beneficiary’s IBAN, you can copy/paste it straight into the appropriate field. Better loan management - Your mortgages and your personal, student and investment loans appear in the dedicated “Loan” section of BILnet. These loans now take the form of a contract rather than an account on which movements are recorded. - You can now find additional information about your loans in BILnet, including: o type of loan o amount borrowed/used o current interest rate o next due dates o capital outstanding Find all your electronic documents easily - Download your banking documents in PDF format - Take advantage of the free and environmentally friendly paper-free option so that you no longer receive your documents by post - Sign your documents electronically - All electronic documents are now sorted by date Contact us whenever you need to - Communicate with the bank using secure messaging and share any attachments required Don’t have an account yet? Visit bil.com for more information. The app is available in three languages (FR, DE, EN). *For more information about our tariffs, visit bil.com

Euvena turns a SEPA credit transfer into a QR code and back. REQUEST MONEY Enter an amount, and what it is for if you like, and Euvena shows an EPC QR code, the format many European banking apps scan to fill in a transfer. Share the request as a link, or keep it in the history on your phone. Several payees can be kept, for a household, a club or a small business. PAY A REQUEST Scan a payment code or paste a shared request. Euvena shows exactly what the code says: the name, the IBAN, the amount and the reference. Then it hands the details on as a payto link to an app that accepts one, or lets you copy them field by field into your banking app. A code that fails any check is refused as a whole, never shown in part. EN 18184 CODES Euvena also reads EN 18184 (EPC024-22) point-of-interaction codes that carry the payee's details, and builds them once you enter the details your payment framework assigned to you. NO ACCOUNT, NO SERVER, NO DATA Euvena has no accounts and no backend. It never holds or moves money and never contacts a bank: every payment is made and authorised in your own banking app. Payees and kept requests are stored on your phone, never on a server of ours, and an export file moves them to another phone when you choose to. Nothing is collected, tracked or shared. SEVEN LANGUAGES English, German, French, Spanish, Italian, Dutch and Polish, in light or dark appearance. Euvena is open source. The code and the payment code library behind it are on GitHub.