Nordea Mobile vs Valua

Welcome to Nordea! The app puts the entire bank in the palm of your hand, enabling you to do most of your banking swiftly, smoothly and securely. You can test the demo version of the app without logging in. You can access it through Menu before logging in. All information in the demo version is fictitious. Examples of what you can do in the app: YOUR OVERVIEW In the Overview tab, you can view and manage all your finances in one place. You can add, hide or rearrange the order of your content to personalise your experience. Quick actions take you straight to several functions, such as Search, helping you find what you need. Under the Profile tab you can, for example, find Documents, consents and Log out. If you have other banks, you can also add them to get a better overview of your finances. PAYMENTS AND TRANSFERS Pay your bills and transfer money, both between your own accounts or to a friend. Here, you can also add and manage direct debits, simplifying your everyday life. MANAGE YOUR CARDS Connect cards and wearables to Apple Pay for contactless payments. If you forgot your PIN code, you could view it here. You can also block your card if needed, and we’ll send you a new one automatically. Choose the geographic areas where your credit card can be used and by restricting use for online shopping so you can feel safer and better control of your payments. SAVE AND INVEST It’s easy to keep track of your savings and see how they are performing. Start saving monthly, trade in funds and stocks, or set a goal for your savings. Get suggestions and ideas for new investments through Find Investments. DISCOVER NEW PRODUCTS AND SERVICES In the Services tab, you can open different accounts, apply for credit cards or loans, get digital advice for long-term savings, and much more. WE'RE HERE FOR YOU The Help tab contains all the information you need to get help with your banking. Use the Search function, see frequently asked questions and answer, or chat with us directly. If you call us through the app, you’ve already identified yourself, so we can help you faster. We want to know what you think, so feel free to leave a review or send your feedback directly in the app. Download the app today and get access to all the functions that simplify your banking!

Valua is about your most valuable currency: time. It shows how many work hours each purchase costs and helps you make more conscious decisions about spending and income. Widgets • Life Countdown widgets in three sizes show remaining lifetime • Customize displayed time: exclude work, sleep, or custom activities • Set retirement date for accurate free time calculations • Real-time updates with progress indicators How it works • Money → hours of life: every expense shows its share of income and the work-time equivalent. • Reality-aware: inflation and exchange rates are factored into calculations and charts. • Clear visuals: income/time scale, salary trend, period-to-period comparison. Expenses • Three base categories: Want, Own, Owned. • Personal folders and 13 inflation categories (headline + 12 groups). • Subscriptions, goods, and services tracked with both money and time impact. Income • Work contracts in multiple currencies and periods. • Recalculation with inflation and FX (when base currency differs). • Salary chart to see if purchasing power is truly rising. Markets • Historical/current FX rates, popular cryptocurrencies, and precious metals. • Charts for currency pairs and category inflation for primary/secondary regions. Life Expectancy • Remaining-time estimate by sex, birth date, and region. • Custom life expectancy date option alongside calculated estimate • Configure work hours, sleep, and personal time for free time analysis • Add loved ones to appreciate shared time. Tools • New: Gross-Net Salary Calculator for Germany. -Calculate net monthly and annual income from gross salary. -Detailed breakdown of taxes and social contributions (Pension, Health, Care, Unemployment). -Visual charts showing the tax burden distribution. -Support for all Tax Classes, Church Tax, and Child Allowances. -Insights into Employer's total cost. • Convert time units to/from decimal. • Time-between-dates calculator. • PIN and Face ID/Touch ID protection. Privacy • All user data is stored on device, no third-party sharing, no cross-device sync. • No ads. Getting started • In Settings, set net income, work time, currency, and region; enable the income/time scale. • Use the Calculator (Settings → Taxes) to compute your precise net income. • Add Life Countdown widgets to your home screen for daily reminders. • Add expenses to see their cost in hours of life. • Create a contract in Income to track real trends with inflation and FX. Disclaimer: Valua is not financial advice; it's a visualization and self-reflection tool. Terms of Use (EULA): https://gist.github.com/silencepeaceoff/09f7c3590815114c8fcd779e0ac6f121 Privacy Policy: https://gist.github.com/silencepeaceoff/cf38abf1f5d0ad01f00a37f6c7bc68d7