payabl. vs XBO Emoney

Less admin. More business. payabl. brings together business accounts and virtual card management in one secure app, giving you the visibility and control to focus on growth, not admin.   See the full picture Real-time account balances and transaction history, all in one place. Switch between accounts instantly and request statements whenever you need them.   Track every transaction Upload receipts and documents directly to transfers. Add comments for context. Export everything for clean, effortless accounting.   Move money with ease Send funds instantly between your own accounts or externally to any beneficiary. Set up recipients once, choose who pays the charges, and track every transfer from start to finish.   Exchange currencies in seconds Convert between currencies at competitive rates with clear fees upfront. See exactly what you'll get before you confirm, and keep your international business moving.   Stay ahead of approvals Track multi-signatory flows in real time, see who's approved, who's pending, and what's outstanding. No more chasing sign-offs.   Approve with confidence Review, authorise, or reject transfers from anywhere. Check the full details, approve with biometric security, and keep payments moving without delay.   Cards under your control View limits, freeze cards with one tap, and add to Apple Pay for secure contactless payments.   Built-in security Bank-grade encryption, biometric authentication, instant fraud alerts, and immediate card termination when you need it. Payabl. CY Limited, with registered address at Agiou Athanasiou 4, Agios Athanasios, Limassol, 4104, Cyprus, is authorised and regulated by the Central Bank of Cyprus (CBC) and holds an Electronic Money Institution (EMI) licence. Payabl. CY Limited operates under its Payment Institution (PI) licence (Licence Number: 115.1.2.9/2018) until the full activation of the EMI licence. Company Registration Number: HE289380. Payabl. (UK) Limited, with registered address at Napier House, 24 High Holborn, London, WC1V 6AZ, United Kingdom, is authorised and regulated by the Financial Conduct Authority (FCA) and operates under an Electronic Money Institution (EMI) licence (Licence Number: 967259). Company Registration Number: 13639825.

XBO – Smarter Money, Global Control XBO is your all-in-one financial companion, built to give you complete control over your money in a fast-moving world. Whether you’re managing everyday payments, sending money internationally, or keeping track of multiple currencies, XBO brings everything together in one secure, easy-to-use app. We designed XBO to help you save time, reduce stress, and simplify the way you move and manage money—so you can focus on what matters most. Key Features ● Multi-Currency Accounts – Hold, exchange, and manage funds across multiple currencies without hassle. Solution Scoping Questionnaire Equals Money Page | 3 ● Fast Global Payments – Send and receive money worldwide with just a few taps. ● Card Management – Access, control, and protect your cards in real time with smart security settings. ● Full Transaction History – Track every payment, transfer, and expense in one clear, organized view. ● Advanced Security – Enterprise-grade protection for your funds and data at every step. ● Real-Time Insights – Get instant updates on balances, spending, and transfers so you’re always in control. ● 24/7 Access – Manage your money whenever and wherever you need it. Why XBO? Traditional money management tools are complex and outdated. XBO is built for today’s world—fast, flexible, and global. Whether you’re an individual looking to simplify personal finances or a business operating across borders, XBO adapts to your needs. With XBO, you can: ● Move money across currencies with ease. ● Pay and get paid worldwide. ● Stay in control with instant notifications and real-time updates. ● Enjoy a seamless digital experience designed for modern life. Designed for You We believe managing money should be simple, intuitive, and stress-free. That’s why XBO combines powerful tools with an interface that’s clean and user-friendly. No jargon, no unnecessary steps—just smooth, straightforward control of your finances. Security You Can Trust XBO is built on strong foundations of compliance, safety, and trust. From multi-layer encryption to advanced fraud monitoring, we prioritize the security of your funds and data. You stay in control, while we handle the background protection. Your Money, Your Way Whether you’re traveling, sending money to family, paying suppliers, or managing everyday expenses, XBO is there to support you. One app, multiple currencies, global reach—XBO gives you the freedom to move money the way you want. Download XBO today and experience a smarter way to send, spend, and manage your money—wherever life takes you.