Robinhood Banking vs ManaSplit

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.

Split bills, keep track of shared expenses, and talk with your group in one app. ManaSplit is for roommates, trips, families, and everyday plans. Add an expense, see who owes what, and keep the conversation beside the bill. SHARED EXPENSES Split equally, by exact amounts, percentages, or shares. Use Advanced Split for more detailed arrangements. Keep receipts, track balances, record repayments, and organize recurring bills. GROUP CHAT AND CALLS Send messages, photos, voice notes, files, and expense cards. Start an audio or video call from your conversation. YOUR HISTORY STAYS ON YOUR DEVICES Message and call history are stored on your devices. Cloud services deliver messages and keep shared accounts, groups, and expense records in sync. USEFUL WHEN YOU'RE OFFLINE Read saved information and prepare supported changes without an internet connection. Send and sync them when you reconnect. Compatible devices also support trusted nearby delivery. HELP WITH YOUR SPENDING Ask about balances, spending, and repayments. Supported Apple Intelligence features run on eligible devices. Availability depends on your device and settings. FREE FEATURES AND OPTIONAL PURCHASES Everyday expense tracking, messaging, calls, safety controls, and access to your records are free. Advanced Split includes a free allowance. Optional monthly or yearly memberships provide higher Advanced Split limits. You can also buy Mana Credits for eligible uses after your allowance runs out. Prices and limits are shown before you buy. Purchased credits do not expire. Previewing, canceling, or failing an operation does not use your allowance or credits. Subscriptions renew automatically unless canceled in your Apple Account settings. Restore eligible purchases in the app. Deleting your ManaSplit account does not cancel an Apple subscription. PRIVACY AND SAFETY ManaSplit has no ads and does not sell personal data. You can block people, report messages, manage privacy settings, and delete your account in the app. ManaSplit records shared expenses and repayments. It does not transfer money and is not a bank or financial adviser. Privacy policy: https://manasplit.pages.dev/privacy/ Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/