ARKAD Wallet vs Collis

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

Collis helps travelers pay easily in Rwanda without carrying cash or needing a local SIM card. Top up your wallet with a debit or credit card, pay directly into local mobile money accounts, and withdraw whatever's left when your trip is over. INSTANT WALLET TOP-UP Skip the search for an ATM, the currency exchange counter, and the SIM card registration desk. Add money to your Collis wallet straight from your debit or credit card, and it's available immediately. Start paying for what you need without delays. PAY ANYONE, ANYTIME In Rwanda mobile money is how everyday transactions happen — from street food to taxis to splitting a bill with a friend. Collis lets you send money directly to a mobile money number from your wallet, so you're never stuck without the right change or hunting for an ATM machine. In Rwanda, for example, you can pay directly to MTN Mobile Money or Airtel Money numbers. WITHDRAW WHAT YOU DON'T USE Leftover balance at the end of your trip doesn't have to go to remain. Send what's left in your Collis wallet back to your card via PayPal, so you only spend what you actually need while you’re here and keep the rest. WHO COLLIS IS FOR Whether you're backpacking, on a business trip, or visiting Rwanda for any other reason, Collis is built to remove the friction of paying in Rwanda where you don't have a SIM card, a local bank account, or easy access to cash. Download Collis and pay your way, wherever your trip takes you. PRICING Sending money costs 350 RWF (about $0.25) each time, no matter how much you send. Getting your money back to your card costs $3, sent through PayPal. Adding money to your wallet costs an extra 3% of the amount you add. These prices may change, but you'll always see the exact cost before you confirm anything in the app.