Investec Private Client vs ZapSpend

Effortless banking and investing at your fingertips Daily transactional banking made easy Make payments, add beneficiaries, transfer funds, check and redeem Investec Rewards point, buy airtime and electricity, send cash to yourself or someone else – it’s easy and convenient. Secure Log into your account with biometrics as a safe alternative to your password. Investec Visa card Temporarily block card, view card details or PIN. You can change or resend your card PIN, or let us know when you will use your card abroad. In App authentication If you’re connected to a Wi-Fi network, you can use In App authentication when you log into Investec Online - useful if you’re travelling abroad. Find and download documents Download statements, email statements, proof of payments, reference letters, tax certificates and visa letters. Trading Seamlessly buy and sell JSE-listed equities. Markets Daily data on major local and international markets, commodities and currencies - plus insights into South African equity market. Keep up to date with investment instruments through Markets Watchlist. And much more on the Investec Private Client App … When you’re on the go, the Investec App goes further. For assistance, please contact the 24/7 Global Client Support Centre on: SA: 0860 110 161 or +27 11 286 9663 UK: 0845 366 6333 or +44 207 597 4131

ZapSpend is the fastest way to track your expenses — just snap a photo of any receipt and our AI instantly extracts the merchant, total, tax and category for you. No more manual data entry. SMART RECEIPT SCANNING Point your camera at any receipt and ZapSpend's AI does the work — extracting merchant name, total amount, tax, date and automatically categorizing the expense. Review and edit before saving with a clean, intuitive interface. VOICE EXPENSE ENTRY Log expenses hands-free. Just say "Spent 15 dollars on coffee at Starbucks" and ZapSpend transcribes your voice, extracts the details and creates the entry. Perfect for quick logging on the go. AI BUDGET INSIGHTS See where your money goes with beautiful animated charts: • Category breakdowns with a colorful donut chart • Weekly spending trends • Month-over-month comparisons • Smart AI observations like "You spent 30% more on dining this week" EXPENSE TIMELINE Browse all your expenses in a clean chronological feed with category-colored icons. Swipe to delete, tap for details and filter by category or date range. Smooth animations make every interaction feel effortless. EXPORT & SHARE Export your expenses to CSV or PDF with a single tap — perfect for taxes, reimbursements or personal budgeting records. PRIVACY-FIRST All receipt processing happens on your device. Your financial data stays private and never leaves your phone unless you choose to export it. SUBSCRIPTION ZapSpend Pro unlocks unlimited receipt scanning, advanced AI insights and ad-free experience. Choose between monthly or annual billing. Cancel anytime. KEY FEATURES • AI receipt scanner — snap, extract, save • Voice expense entry — hands-free logging • Smart auto-categorization • Beautiful animated charts and insights • Weekly and monthly spending comparisons • Export to CSV and PDF • Privacy-first — all processing on-device • Dark mode with premium fintech design Download ZapSpend and make expense tracking effortless. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/