Send vs PennyBook

Send money around the world in seconds, for free.¹ No wire transfer. No three to five business days. No waiting for the bank to open. The amount you send is the amount they get. No fee taken out, no network fee passed to you. Send is one app for all of it: a debit card, savings, stocks, and crypto in a single balance. Your money stays yours, and we never hold it. SEND MONEY AROUND THE WORLD FOR FREE¹ - Send and receive dollars in seconds, wherever your people are - Send money to family and friends abroad without the transfer fee - Send $100 and they get $100 - Pay anyone by their Sendtag, with no long address to copy - A heads up before you send to someone for the first time - No cutoff times, no weekends off, no three day hold SPEND ANYWHERE WITH THE SEND CARD² - Spend your Send balance with a debit card - Add it to Apple Pay and Google Pay and tap to pay - Real-time alerts on every transaction - No monthly fees, no hidden fees SAVE TOWARD A GOAL AND EARN ON EVERY DOLLAR³ - Create a savings goal, name it, pick an icon, and watch it fill up - Save at the same rate as everyone else, with no tier to unlock - Your rate moves with the market, not with how much you spend - No minimum balance, no lock up, no waiting to withdraw GET PAID WITH YOUR SEND PROFILE - Build a public profile with a link-in-bio layout - Put your link in a bio, an invoice, or a text - Get paid by anyone who has it, with no account number to hand out EARN BONUSES ON SEND - Earn bonuses when you refer friends to Send - Get rewarded for the things you already do in the app Create your profile. Share your link. Get paid. Send is not a bank. Send, Inc. does not custody or control user funds. Send is a non-custodial wallet, and all assets are managed directly by users via their private keys. ¹ Send does not charge a fee to send or receive money in Send, and Send covers network fees on those transfers. Fees for other services are disclosed in the app before you confirm. ² The Send card program is provided by Wirex. The card is issued by Wirex’s issuing bank pursuant to a license from the card network. Card services are subject to separate terms disclosed in the app. ³ Savings rates in Send are variable, are not guaranteed, and change with market conditions. The current rate is shown in the app. Savings rewards in Send are not bank interest and are not FDIC insured. Send does not target UK consumers with cryptoasset promotions. Future UK availability will comply with FCA rules under Section 21 of FSMA or Article 73ZA. Support: https://support.send.app Email: support@send.app Send, Inc. 101 N. Indian Hill Blvd., Suite 206 Claremont, CA 91711

PennyBook is a simple expense tracker that stays on your iPhone or iPad. Tap +, pick a category, done. ASK ABOUT YOUR MONEY New in 1.1: Ask PennyBook. Ask in plain words, by typing or by voice: "How much did I spend on food last month?", "and transport?", "Why was September so high?", "Did I save money this year?" Answers come with a chart, a split by category and the entries behind them, and it remembers the conversation, so follow-ups just work. It runs on Apple Intelligence on your device. Every figure is worked out by PennyBook from your own entries, the same way Insights does; the model only writes the words. Nothing is sent anywhere, and the chat is forgotten when you close it. Requires a device with Apple Intelligence turned on; everything else in PennyBook works without it. LOG IT FAST Choose the wallet, type the amount, tap a category, save. Add a few words and the category picks itself, learning from what you filed before. Type "coffee 4" and the amount fills in too, or say it: dictation runs on your device. WALLETS WITH REAL BALANCES Cash, bank accounts, credit cards, e-wallets. Enter what is in each today and every entry moves it from there. A card shows what you owe. If the bank disagrees, adjust the balance with a note: one visible entry, never a quiet rewrite. SPENDING, INCOME AND TRANSFERS Spending in coral and income in green, in every list. A transfer moves money between your wallets and never counts as spending, so an ATM withdrawal or a card bill doesn't distort the month. SEE WHERE THE MONEY WENT Insights for a week, a month, three months, a year or any dates, for all wallets or one. Overview shows what you spent, earned and kept, day by day. Categories shows what each one cost and how it moved. Habits shows your costliest weekdays, a spending calendar and the places you pay most. FIND ANYTHING Search the whole book with a few words or an amount. Narrow it by kind, wallet, category, an amount range or dates, and see how many entries match and what they add up to. BRING YOUR HISTORY Choose the export from your old tracker, or paste a table. The file is read on your device, wallets come across, categories are matched, duplicates are skipped, and you see what will happen before anything is written. One tap undoes an import. EVERYWHERE YOU ARE Widgets on the Home Screen and Lock Screen, Siri ("Log an expense in PennyBook"), iPad in either orientation, and optional iCloud sync to your other iPhones and iPads through your own private iCloud. PRIVATE BY DESIGN No account, no bank login, no ads, no analytics. PennyBook has no networking code of its own; the only thing that ever leaves your device is iCloud sync, off until you turn it on, into your own iCloud where we cannot see it. Lock the book with Face ID. Export everything as a spreadsheet whenever you like. PAY ONCE Your first 100 entries are free. PennyBook Pro unlocks unlimited entries with a single purchase, no subscription. Import, export, search, Ask PennyBook and everything else are free.