BPI vs Bernn

Welcome to the BPI app! Managing your money has never been easier. Access your accounts, transfer funds, pay bills, invest, and more, wherever you are. The BPI app gives you secure and convenient banking right at your fingertips. FREE TRANSFERS TO BANKS AND E-WALLETS Easily transfer money between your BPI accounts, send money to other BPI accounts, or transfer funds to other local banks and e-wallets via PesoNet and InstaPay for free. Save time by setting up Favorites for frequently used recipients. PAY BILLS ANYTIME Settle bills anytime with thousands of billers to choose from. Schedule recurring payments ahead of time so you never miss a due date. PAY WITH QR PH Skip the cash-in and pay directly from your BPI account. Simply scan any QR Ph code at participating merchants. UNDERSTAND YOUR SPENDING BETTER Get personalized insights based on your transactions and app activity to help you manage your spending, make informed financial decisions, and stay on track with your goals. OPEN AN ACCOUNT IN MINUTES Open a BPI Savings Account using your National ID and selfie verification. No branch visit required. Once approved, you can immediately access BPI digital banking services. INVEST AND GROW YOUR MONEY Grow your wealth and secure your future with BPI investment products. View and manage your investments in one place and conveniently set up or amend your Regular Subscription Plan (RSP) directly in the app. Eligible clients can also access their BPI Privilege Cards and exclusive experiences through the app. TAKE CONTROL OF YOUR SECURITY Enjoy added security with customizable transaction limits and Mobile Key authorization. Securely approve transactions using your device's biometric credentials. You can also log in to BPI online on a web browser using the QR Scanner in the app when Mobile Key is unavailable. Manage your cards anytime and enjoy greater control and protection for your everyday banking activities. BANK WITHOUT VISITING A BRANCH Access a growing range of services directly in the app: • Order a Debit Card • Open a New Account • Open a Time Deposit Account • Reorder Checkbooks • Stop Check Payment Orders • Download Statements of Account • Download Wealth Portfolio Statements • Update Mobile Number • Manage Trusted Devices • Temporarily or Permanently Block Debit or Credit Cards • Check Deposit (available to eligible customers) • Cardless Withdrawal • Buy and Sell USD • Credit-to-Cash and Balance Conversion for eligible customers • Partner Store Transactions (Deposit or Withdraw) UNLOCK PERSONALIZED OFFERS Enjoy exclusive offers, rewards, and promotions available through the BPI app. Receive personalized deals and experiences designed for BPI customers. ABOUT BPI As one of the largest banks in the Philippines, The Bank of the Philippine Islands has a long-standing reputation for providing trusted and reliable financial services. Through continuous innovation and digital transformation, BPI delivers secure, convenient, and customer-focused banking solutions that help millions of Filipinos achieve their financial goals. BPI was recognized by FinanceAsia as Best Financial Company and Best Overall Company in the Philippines. With the BPI app, you can bank with confidence knowing your transactions are protected by robust security features. The app is continuously enhanced with new features and improvements designed to make banking simpler, safer, and more convenient every day. Download the BPI app and make every day better with BPI.

Bernn — one glance at everything you're burning. You're paying AWS, Anthropic, and OpenAI separately, and none of them talk to each other. Bernn pulls all of it into one running total, tells you the moment you cross a budget you set, and does it from your pocket instead of three browser tabs CONNECT YOUR ACCOUNTS • Anthropic — paste an Admin API key, about a minute • AWS — create a read-only IAM role from a template we give you (automatic CloudFormation setup or a manual walkthrough, your choice), about five minutes • OpenAI — admin key or CSV import • Track multiple accounts per provider (Pro) — a work and a personal AWS account both show up separately SEE THE WHOLE PICTURE • One total spend figure across every connected account • Per-provider breakdown, and per-service or per-model detail • Spend trend by day, month, year, or lifetime • Pull to refresh; data also refreshes on its own every hour GET TOLD BEFORE THE BILL • Budget alerts — tell Bernn when this month passes $200, per provider or overall • Anomaly alerts — tell Bernn when today jumps more than 50% above your recent average • Push notifications, with optional repeat reminders for alerts you can't afford to miss READ-ONLY. ALWAYS. Bernn asks for billing-read access only. It cannot launch, change, or spend anything on your account. AWS access uses a proper cross-account role with a unique ID per connection — the pattern AWS itself recommends — not access keys. Credentials are encrypted before storage and never shown to you again after you add them. YOUR DATA, YOUR CONTROL • Export everything Bernn holds about you as a file, anytime • Delete your account and all data in-app, immediately, no support ticket needed • Notification switches that actually stop delivery server-side PRICING • Free — one tracker, no custom alerts • Monthly — $4.99/month • Yearly — $48/year (save 20%) • Lifetime — $150 once, never expires Bernn is a visibility tool. It shows you what you're spending — it doesn't manage or optimize spend for you, and figures are refreshed hourly, not real-time (providers' own billing data lags by design). Questions or feedback: dstalingrad@gmail.com Terms of Use (EULA): https://www.apple.com/legal/internetservices/itunes/dev/stdeula/