ARKAD Wallet vs Rilio

The budgeting app that actually makes sense. Less time tracking. More control over your money. ARKAD Wallet brings your budgets, accounts, and savings goals together. Connect your bank, add expenses by voice, and turn everyday transactions into a clearer picture of your finances. 1. Connect your bank. Skip the manual entry. Connect supported banks through Kontomatik, our secure open banking provider. Transactions appear automatically in the app. ARKAD never receives or stores your bank login credentials. You choose whether to connect a bank or track your money manually. Premium includes three bank connection slots, three automatic refreshes per day, and one additional manual refresh per day. Disconnecting a bank releases its slot at the end of its current calendar-month period. 2. Add expenses by voice Just say what you spent. ARKAD turns your words into a transaction you can review and save. Less typing. Less effort. More time for everything else. 3. Budget without overthinking Set monthly budgets, track spending by category, and see what’s left before your next purchase. Plans change. Your budget can too. 4. All your money in one place Track cash, cards, and savings together. See your account balances and follow your net worth without jumping between spreadsheets. 5. Save for things that actually matter A trip. A new laptop. A little breathing room. Create a goal, set money aside, and follow your progress. Keep savings reserved for what you planned. 6. Smart analytics. Clearer decisions. Understand where your money goes, spot spending patterns, and see how you’re doing against your budget. Follow your financial habits with ARKAD Aura, a simple progress score that helps you see what’s working and where you can improve. 7. Built in Europe, with privacy in mind Our core infrastructure and financial database are hosted in Europe. Connections are encrypted, and you can delete your account directly in the app. Your money is personal. We treat it that way. ARKAD Wallet helps you answer the questions that matter: - Can I afford this right now? - Am I still on budget? - Where is my money actually going? Build a budget that fits your life. Understand your spending. Make room for what matters. Download ARKAD Wallet and take control of your everyday money. Terms of Use: https://legal.arkadwallet.com/terms Privacy Policy: https://legal.arkadwallet.com/privacy

Rilio logs your spending for you. Pay with Apple Pay and the expense is saved before you put your phone away, with the amount, merchant and category already filled in. Bank SMS alerts are picked up the same way. A notification on your Lock Screen confirms each one, and a single tap fixes anything you want to change. No bank login. No spreadsheets. No end-of-month catch-up. LOGGED AUTOMATICALLY • Apple Pay: every tap is logged the moment you pay • Bank SMS alerts from supported banks are read and saved for you • One payment, one transaction: a tap and its matching bank alert never double up • Refund alerts are matched to the original purchase • One-time setup with Apple Shortcuts, guided step by step in the app OR JUST SAY IT • Type or speak "12 for lunch at Chipotle" and AI fills in the amount, merchant and category • Double-tap the back of your iPhone to log an expense without opening the app • Import a bank statement PDF to bring in your past transactions KNOW WHERE YOUR MONEY GOES • Income, spending and savings rate for the month at a glance • A forecast of where the month will land • Daily spending, biggest purchases, top categories and weekend habits • Ask Rilio anything, like "How much did I spend on food this month?" • A monthly recap you can share STAY ON BUDGET • Set limits by category and see what's on track and what's close • Home Screen and Lock Screen widgets for this month's spending and budgets SPLIT WITH FRIENDS • Groups for trips, roommates and dinners, with invites by link • See who owes what and settle up in a tap YOUR DATA, YOUR CALL • Rilio never asks for your bank password • Only messages that match your payment keywords are sent to Rilio • Delete your account and data from Settings at any time SUBSCRIPTION Rilio requires a Rilio Pro subscription. New subscribers start with a free trial. Payment is charged to your Apple ID when you confirm the purchase. The subscription renews automatically unless you cancel at least 24 hours before the end of the current period. Manage or cancel it in your App Store account settings. Terms of Use: https://getrilio.com/terms Privacy Policy: https://getrilio.com/privacy