Bluebird App vs Networo

WHAT IS BLUEBIRD? Bluebird is a financial account that offers you the flexibility and convenience to take control of your money. With no monthly fees and many other fee-free features, Bluebird helps make the day-to-day necessities easier to take care of so you can spend your time doing the things that matter most. Visit us at Bluebird.com for more information. HOW THE BLUEBIRD APP WORKS • Easily manage your Bluebird Account on the go, wherever you are! • Log in to easily access your Available Balance and view the details of all your active and completed transactions MONEY IN • Add cash fee free at Family Dollar¹ • Get your pay up to 2 days faster with free early direct deposit² • Easily add money from checks using your mobile device³ MONEY OUT • Use your Bluebird card to make purchases online or in-store • Withdraw cash for free at over 37,000 MoneyPass ATMs nationwide⁴ • Send money to other Bluebird accountholders A BRAND YOU CAN TRUST • Our security features bring the reliability you need and the value you deserve • We work hard to keep your information and money safe and secure • Our 24/7 Customer Service representatives are there for you, day or night ¹You can add cash at other locations for up to $3.95. As of July 1, 2023, cash reloads at Walmart will no longer be fee free and will incur a fee of $3.74 per transaction. See bluebird.com/faqs for more details. ²Faster access compared to standard payday electronic deposit and subject to your employer submitting paycheck information to the bank before payday. Your employer may not submit paycheck information early. ³The Mobile Check Capture by Ingo Money service is provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. All checks are subject to approval for funding in Ingo Money’s sole discretion. Approval usually takes 3 to 5 minutes but can take up to one hour. Fees apply for approved Money in Minutes transactions funded to your Account. See bluebird.com/fees for details. Additional terms and conditions and limits are associated with your use of the Mobile Check Capture by Ingo Money service through the Bluebird Mobile app. See bluebird.com/legal for details. Data rates may apply. Note: As of 2/13/2022, Mobile Check Capture is not available for use in the state of New York. ⁴Transactions at non-Money Pass® ATMs have a $2.50 fee. ATM operator fees may also apply. See bluebird.com/atm for details.

Networo is a net worth tracker for people who want to see the whole picture without handing over their bank logins. Add what you own and what you owe. Update the values when they change. Networo keeps every value you have ever entered as a timestamped snapshot, so your history is never overwritten, and draws one continuous line from your first entry to the date you reach financial independence. PRIVATE BY DEFAULT Bank sync is optional and always has been. You can run Networo for years without connecting a single account. Nothing is sold, and the AI coach never stores your questions. YOUR RECORD, KEPT PROPERLY • Unlimited assets and liabilities, in 30 currencies • Every change saved forever as a timestamped snapshot, never overwritten • Switch currency and convert your whole history once, at the real ECB rate • Import a spreadsheet by CSV, export any time • Optional bank sync, never required UNDERSTANDING WHAT HAPPENED • Your net worth trend from the first value you recorded to today • Category breakdown and a money-flow view of where it all sits • Your line against the S&P 500 and inflation, so growth is real, not nominal • What moved since you last looked, broken down by account • How you compare to your age group, from Federal Reserve survey data DECIDING WHAT TO DO NEXT • Your financial independence date, recalculated as your numbers change • Monte Carlo simulation across thousands of market outcomes • What-If scenarios: model a raise, a house, a career break, side by side • A debt payoff planner comparing avalanche and snowball • A financial health score, and the four things dragging it down • An AI coach that answers questions about your actual numbers STAYING WITH IT • Milestones and a yearly Wrapped, because progress you cannot see is progress you abandon • A monthly close that updates every account in under a minute • Share with a partner, with view-only or edit access BUILT FOR A PHONE • Works offline. Add and update values with no signal; they sync when you are back. • Optional Face ID or Touch ID lock on the app itself. PROTECTED LIKE IT MATTERS • Bank-level encryption: your balances, account names and notes are encrypted with AES-256 before they are saved, so even a stolen copy of our database would be unreadable. • No bank password required, ever. Bank sync is optional and off by default. • Your figures are hidden in the app switcher. • Never sold, never shared with advertisers or data brokers. • Export everything as CSV for free, or delete your account and your data is erased and any subscription cancelled first. Read how it works: networo.com/security PRICING Networo is free to use. Networo Pro unlocks bank sync, up to 3 What-If scenarios, Monte Carlo, household sharing and PDF reports, at $4.99/mo or $39/yr. Prices are shown in your own currency at checkout. Networo is a tracking and planning tool, not financial advice. Terms of Use: https://networo.com/terms Privacy Policy: https://networo.com/privacy