Robinhood Banking vs Cost 2

The power of private banking paired with the only credit card you’ll need. GOLD CARD • Earn 3% cash back on all categories². • Use virtual cards with disposable card numbers for smarter, more private spending. • Securely manage your account—track spending, report suspicious transactions quickly, and freeze or unfreeze your card at any time. • Build your family's credit with the option to add cardholders of any age and track spending, set spending limits, and lock lost cards. • Enjoy no annual fee for Robinhood Gold members². • Travel, shop, and spend confidently with built-in protections, extended warranties, and 24/7 concierge support through Visa Signature. ROBINHOOD BANKING • Explore elevated essentials for modern banking like high-yield Savings accounts, 35,000 no-fee ATMs, 24/7 customer support, and more.¹ • Get full-service banking—wire transfers, check services, premium checkbooks—without ever visiting a branch. • Unlock premier banking benefits like high-yield on Checking, free wire transfers, and no-fee ATMs including out-of-network rebates with an eligible direct deposit, over $100K in assets across Robinhood, and a Robinhood Gold membership. Disclosures: Robinhood Gold Visa® Card is offered by Robinhood Credit, Inc., and is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A. Inc. Robinhood Credit, Inc. (RCT), is a financial technology company, not a bank. Individual credit limits will vary by applicant and are subject to credit approval and underwriting. See if you’re approved with no impact to your credit score. Your credit will not be impacted unless you decide to accept the card offer. ¹All features and benefits require a monthly direct deposit amount of at least $1,000 into a Robinhood Checking account. Try benefits without direct deposit for a limited preview of 60 days. Transaction limits and fees may apply and depend on your relationship tier. An active Robinhood Gold subscription is required for Robinhood Banking. The Annual Percentage Yield (APY) is accurate as of January 29, 2026, and may change at any time before or after account opening. ²See full rates and fee details. Some limitations or conditions may apply. Must have Robinhood Financial brokerage account to redeem cash back. See rewards program terms for details. Rewards program terms are subject to change. To earn three (3) Points for each dollar of Eligible Purchases, the Robinhood Gold Card requires an active annual Robinhood Gold subscription and does not include a 30 day free trial. Robinhood Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC (RHG). RCT and RHG are subsidiaries of Robinhood Markets, Inc. (Robinhood). Robinhood Banking is a financial services platform offered by Robinhood Money, LLC (RHY). RHY is a financial technology company, not a bank. Banking services are provided by Coastal Community Bank, Member FDIC. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met. RHY is a subsidiary of Robinhood. Robinhood, 85 Willow Road, Menlo Park, CA 94025. © 2026 Robinhood. All rights reserved.

Cost keeps a spending log without asking you to type one in. Share a receipt — screenshot, photo of the paper one, order confirmation, plain text — and an on-device agent reads off the merchant, total, currency, date and category. Confident drafts file themselves; the rest wait in the Inbox with the agent's reasoning shown, a tap from saved. It runs on Apple Intelligence, on your device: nothing uploaded, no account, no bank connection. Fix a draft and the fix becomes a rule. Rename a merchant once and the next receipt from it arrives renamed. Add standing instructions in plain English — "the corner shop is Groceries" — and they hold on every receipt after. Everything Cost has learned is listed in Settings, editable and deletable. Categories stay yours: matched to one you already have, or proposed for you to accept. Never invented, never forced onto a purchase that doesn't fit. Tags cover what a category can't — a trip, a project, "Work". A flight, four dinners and a rail pass are three categories but one trip, and the trip carries its own total. Search reads meaning. "caffeine last month" finds the coffees without sharing a word with them; "how much did my Japan trip cost" answers with the tag's total. Trends for any week, month or year: the total against the period before, the category mix, top merchants, the tags that were running. A calendar zooming year to month to week. Totals per currency — Cost won't add two together and call it an answer. Also: type or dictate a sentence ("Coffee at Pret, £3.20, yesterday"), ask Siri to log spending or search it, attach where you were, keep the receipt with the record. Cost is a Mac app too, synced over iCloud. A receipt the phone couldn't settle arrives on the Mac ready to review — and if you run a model locally (Ollama, LM Studio, llama.cpp), Cost hands the reading to that instead. Bigger model, same machine, still nothing uploaded. Apple Intelligence isn't on every device. Where it's missing, Cost reads what it can and parks a draft for review — an unavailable model costs you a tap, never a receipt.