MON 3 vs IRBC

Your money shouldn't have borders. With MON 3, it doesn't. We are an international payments platform for individuals and companies that send and receive money across borders, with a solution that is simple, secure and cost efficient. Beyond transfers, you get an international card to spend your balance anywhere in the world. While traditional banks charge sky high fees and deliver unacceptable delays, MON 3 settles your transfer in minutes, at a 1.8% all in rate. What you get with MON 3: - Real savings: 1.8% all in, far below traditional banks - Speed: transfers in minutes, not days - International card: spend your dollar balance wherever you want, online or in store - Transparency: no hidden fees, you know exactly what you pay - Security: a platform compliant with regulatory standards - Simplicity: 100% digital, from sign up to transfer Who MON 3 is for: - Importers and exporters - Companies with suppliers abroad - Service providers with global clients - People who travel, study or live abroad - Anyone paid in foreign currency who wants to spend without losing on FX How it works: 1. Sign up in just a few minutes 2. Request your transfer and see the quote instantly 3. Confirm and track it in real time 4. Done, your money has arrived No more losing money to abusive fees. No more waiting days for a simple transfer. MON 3, your money, now global. Born to be global!

The IRBC Mobile App brings private banking to your pocket. Anytime, anywhere. Manage your account in one place: • See available balances and recent activity in real time • View your card details • Ask the IRBC agent and get answers instantly • Make global payments • View your account details in multiple regions • Receive account and support notifications Reach a dedicated Relationship Representative right inside the app. Face ID and Touch ID on supported devices. Advanced encryption and device-level protection on every session. * IRBC is a financial technology company, not an FDIC-insured bank. Banking services are provided through Bridge, a Stripe company. Deposit accounts are held at Lead Bank, Member FDIC. FDIC insurance covers the failure of an insured bank, not the failure of IRBC or Bridge. Certain conditions must be satisfied for pass-through FDIC insurance to apply.