Bloxley vs PACTLY@

Wings for your money Meet bloxley. Your all-in-one home for money: send, receive, manage your money and track every cent, in one place. No monthly fees. No minimums. No hidden costs. ONE ACCOUNT, 23+ CURRENCIES Your full IBAN account is ready in minutes. Hold 23+ currencies, receive your salary, and accept transfers from any bank worldwide. Share your details with a single tap. SEND AND REQUEST IN TWO TAPS Send or request money between bloxley members in two taps, no delays and no fees. Do it right inside your conversations without switching apps. GLOBAL TRANSFERS AT EXCEPTIONAL RATES Send and receive across 100+ countries and keep more of every transaction. Transfer to any bank account, at home or abroad, at exceptional rates (fees may apply by destination). STAY ON TOP OF EVERY CENT Follow outgoing transfers in real time, know when your money leaves and when it's due to arrive Payments, transfers and totals appear the moment they happen Full details on every transfer: personal notes, editable categories, confirmations as PDF or CSV Smart filters break spending down by merchant, category or date, each transaction showing your exact balance at the time SECURITY BUILT AROUND YOU Your money is held in segregated accounts with regulated partners, separate from our own assets End-to-end encryption for transactions, account details and personal data, to PCI-DSS standards Biometric verification, triggered automatically when it matters, so only you get through Our systems learn your spending patterns, devices and locations: you move through smoothly, everyone else gets locked out AVAILABLE ACROSS EUROPE Open your multi-currency account from anywhere in Europe, live in 30 countries from day one. Ready to empower your money? Download bloxley and get your account in minutes. Terms & Conditions apply.
 Privacy Notice: https://www.bloxley.com/eu/legal/privacy-policy/ Bloxley is a technology company, not a bank. Bloxley UK Ltd., registered in England & Wales (No. 16630486) with its registered office at 128 City Road, London, UK, provides and operates the Bloxley platform and related technology services across the United Kingdom and Europe. Payment services are provided by Equals Money Plc, authorised by the Financial Conduct Authority (FCA) as a Payment Institution (FRN 488396), registered in England & Wales (No. 05539698) with its registered office at 3rd Floor, Vintners' Place, 68 Upper Thames Street, London, EC4V 3BJ. Card services are issued by Equals Money International Limited pursuant to a licence from Mastercard International Inc. Equals Money International Limited is authorised by the FCA as an Electronic Money Institution (FRN 900493). Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. For full legal disclosures please visit https://www.bloxley.com/legal-documents/. For support or consumer financial complaints, visit the Help center at help.bloxley.com.

Pactly · Clear accounts keep friendships strong You lent your friend $20 for the movies? Running a family tontine? Splitting rent with your roommates? Pactly turns these awkward money moments into clear, calm agreements. — A pact is sacred. Every cent validated on both sides. — LOANS BETWEEN FRIENDS, IN TOTAL CONFIDENCE • Create a loan in 10 seconds, the other party validates with a tap. • Every repayment requires both parties to approve. • Attach payment proof (photo, transfer screenshot) in a few taps. • Clear deadlines: automatic reminders before due date. TONTINES & ROSCAs • Create a rotating savings group with friends or family. • Track contributions and payouts in real time. • Tontine Mirror AI suggests the best partners based on trust scores. OBJECT LOANS • Lend your book, camera, tools… without ever forgetting. • QR code scanning for instant identification. • Photo of the item before lending + automatic return reminder. SHARED BILLS & EXPENSES • Split rent, groceries, nights out. • Auto-calculates who owes whom. • PDF export of monthly statements (admin-friendly). SECURITY & PRIVACY • Face ID / Touch ID to unlock the app. • Incognito mode hides amounts in public. • End-to-end encrypted conversations. • GDPR-compliant, data stored in Europe. INTERNATIONAL • Available in French, English, Spanish, German, Italian, Portuguese, Dutch, Arabic (RTL), Turkish, Romanian, Polish, and Russian. • Multi-currency (USD, EUR, GBP, CHF…). PACTLY PREMIUM (optional) • Unlimited loans and tontines. • Monthly PDF statement export. • Advanced multi-level reminders. • Unlimited history and statistics. • Extended Trust Score with AI coach. • Priority support. Pricing: • Monthly: $14.99/month • Annual: $129.99/year (save 28%) Secure payment via Apple In-App Purchase. No hidden commitments. Cancel anytime from Settings › Apple ID › Subscriptions. FREE FEATURES • 3 simultaneous active loans free. • Unlimited bilateral validation. • Real-time notifications. • Multi-device sync. — Pactly is designed to preserve your friendships by making accounts transparent and calm. No more arguments, no more failing memory, no more awkward "did you pay me back?" moments. Just a clear pact, validated on both sides. Download Pactly today and rediscover the joy of lending without worry. — Support: support@pactly.app Terms: https://pactly.app/terms Privacy: https://pactly.app/privacy