Vera Money vs Skip Spend

VERA BANKING* Your money deserves a wingwoman. Meet Vera, the privacy-first intelligent banking experience created just for you. Vera Money is checking, a debit card, savings, and an AI money coach who knows your actual numbers - in one free app. As seen in Forbes, Inc., and Yahoo! Finance. MOST MONEY APPS WATCH YOUR MONEY. VERA MONEY HANDLES IT. Vera tells you what's safe to spend, when to optimize savings, and talks you down when you're spiraling at 2:00 in the morning. - She knows your whole picture. Income, bills, balances, and what you're saving for. - She builds a plan around your life and goals, and changes it when your life changes. - She acts, not just advises. Vera figures out when to move money and how much, then moves it for you, with your permission. PRIVATE. PERSONALIZED. POWERFUL. - Unlike most money apps, Vera never sells or monetizes your data. Bank-grade encryption. Delete it anytime - Judgment-free guidance - no lecture, no guilt-trip. Ask her anything, get a real answer reasoned from your numbers - She runs it all - what's safe to spend, when to save, what's coming, and the moves in between BANKING, MADE JUST FOR YOU Savings optimized to earn more - all under the guidance you already trust. Open up to 20 savings accounts, one per big goal. No minimum balance. No monthly fee to hold your money, ever. Other fees may apply - see our fee schedule. EARN UP TO $100 Earn $25 for each of your first four qualifying direct deposits of $500 or more, up to $100 total. A qualifying direct deposit is an ACH deposit of payroll, pension, or government benefits from your employer or benefits provider; transfers between your own accounts, P2P transfers, and check deposits do not qualify. Each $25 bonus is credited within 3 business days of the qualifying deposit posting. One bonus program per customer. Offer expires March 31, 2027, and may be modified or withdrawn earlier. WHAT YOUR SAVINGS EARN With direct deposit, Vera moves money into savings proactively, earning 1.01% annual percentage yield (APY) - almost 3x the FDIC national average savings rate of 0.37% - or 1.51% APY once your total savings reach $5,000. APYs are accurate as of September 22, 2026; the FDIC national average is effective September 21, 2026 (FDIC National Rates and Rate Caps; subject to change). Interest compounds daily; rates are variable and may change after opening. Fees could reduce earnings. HOW IT WORKS One money manager for all your accounts. Connect them in seconds, powered by Plaid - checking, credit cards, Venmo, PayPal. Vera auto-categorizes everything, tracks every bill and subscription on one calendar, and flags charges you forgot. FREE. NO SUBSCRIPTION. NO ADS. SafeSpending, account sync, savings goals, the bill and subscription tracker: all included. PERFECT FOR - Anyone who checks their balance before buying and still isn't sure - People juggling irregular income, side hustles, or cash tips LOOKING FOR A MINT, ROCKET MONEY, YNAB, OR MONARCH ALTERNATIVE? Vera Money is the personal finance app that does all of it - budgeting, spending tracking, bill reminders, subscription tracking, savings goals - and everything they can't: checking, a debit card, savings that earn, and an AI who manages your money, not just tracks it. Free. (Vera Money is not affiliated with YNAB, Mint, Cleo, Rocket Money, PocketGuard, Monarch, or Credit Karma.) READY WHEN YOU ARE Open your account - and set up direct deposit to earn up to $100. DISCLOSURES *Vera Money is a financial technology company, not a bank. Banking services are provided by First Federal Bank of Kansas City, Member FDIC. Vera Money is not FDIC-insured; deposit account funds are insured through First Federal Bank of Kansas City on a pass-through basis up to $250,000. Conditions must be met to qualify for this insurance, which only protects against the failure of the bank where the account(s) is held. Privacy Policy: https://veramoney.com/privacy Support: support@veramoney.com

Instead of tracking what you spend, Skip Spend helps you log the money you save each time you skip an unnecessary purchase - like a coffee, snack, ride, or impulse buy. How it works - Log a “Saved” or “Spent” moment. - Categorize by Coffee, Food, Cigarettes, Cinema, Commuting, Shopping, or Other. - See daily totals and a chronological timeline of your progress. - Edit or delete entries anytime. No accounts required. Note: Skip Spend is a personal finance tool for tracking and motivation. It does not provide financial advice.