Panda Pay vs SplitIt

Panda Pay helps you track spending, monitor bills, and get a cash advance when you need one, all in one place. Eligible users can get a Cash Flex™ cash advance of up to $100,* with free standard ACH delivery or instant delivery for a fee. - No late fees - No interest - No credit check - No direct deposit required Sign up in minutes and explore your spending insights and Cash Flex eligibility. GET STARTED WITH PANDA PAY: 1. Create your account 2. Connect your bank securely through Plaid 3. Track your finances and, if eligible, get your Cash Flex™ cash advance It's that simple. No paperwork. CASH FLEX™ CASH ADVANCE — UP TO $100* Cash Flex provides eligible users with temporary cash flow support of $20 to $100. Choose your amount and repayment date from the options shown. Standard ACH delivery is free; instant delivery is available for a fee, shown before you accept. Delivery timing depends on your bank and the transfer method selected. One active Cash Flex at a time. Continued eligibility and available amount may depend on account history, activity, and other criteria. Example: If you accept $50 via Cash Flex with standard ACH delivery, the transfer fee is $0 and the total return amount is $50. YOUR MONEY AT A GLANCE Know exactly where every dollar is going — and what's coming next. - Spending broken down by category - Income vs. expense breakdowns - Recurring bills and subscription tracking - Balance trends so you can plan ahead REAL SUPPORT WHEN YOU NEED IT Reach our support team directly in the app or at support@pandapay.money. For quick answers, our AI chat assistant is available around the clock. We typically reply within 1 business day. SAFE AND SECURE Your information is locked down with the same encryption banks use. - Bank-grade TLS encryption - Credentials are never stored — processed securely through Plaid - Plaid connects with thousands of banking institutions across the US, including Chase, Bank of America, Wells Fargo, and more - Unlink your bank anytime directly in the app MEMBERSHIP Panda Pay charges a recurring membership fee to maintain your linked bank connection and power Cash Flex, spending insights, and other financial tools. Current pricing, billing frequency, and any applicable trial period are shown in the app before you are charged. The fee is auto-renewed until canceled. You can cancel anytime in the app under Account > Bank Account, or by emailing support@pandapay.money. To avoid being charged for the next billing cycle, cancel before your next scheduled charge date shown in the app. Questions? Reach us at support@pandapay.money or visit www.pandapay.money/support DISCLOSURES *Cash Flex™: Cash Flex provides eligible users with temporary cash flow support. Cash Flex is not a loan, line of credit, or any other form of credit. Panda Pay does not charge interest or late fees in connection with Cash Flex. Not all users will qualify. Eligibility and amount are determined based on account history, activity, and other criteria. Cash Flex amounts are up to $100. Not available in all states. Cash Flex delivery timing depends on your bank and the transfer method selected. One active Cash Flex at a time. Example: If you accept $100 via Cash Flex with standard ACH delivery, the transfer fee is $0 and the total return amount is $100. Cash Flex is not available to residents of California, Connecticut, Hawaii, Indiana, Kansas, Maryland, Minnesota, Missouri, Nevada, South Carolina, Utah, Wisconsin, and Washington, D.C. Panda Pay is not a bank. Panda Pay is a product of Radiant Union LLC, a Florida limited liability company. Privacy Policy: https://www.pandapay.money/privacy Terms & Conditions: https://www.pandapay.money/terms

SplitIt is a modern expense-splitting app built to make group money management simple, transparent, and stress-free. Whether you are traveling with friends, managing flat expenses, splitting family costs, or tracking office team payments, SplitIt helps everyone stay clear on who paid, who owes, and what is pending. With SplitIt, you can create groups in seconds, invite members, and start adding shared expenses immediately. Every expense can be split clearly among selected participants, so there is no confusion later. The app automatically calculates balances and settlements, giving each member a real-time view of their share. Instead of scrolling through chats and spreadsheets, your complete expense history stays organized in one place. Key Features: • Create and manage multiple groups Create dedicated groups for trips, roommates, events, teams, or family expenses. Keep each group separate and clean. • Add and split expenses easily Record who paid, how much was paid, and how it should be split. Support different real-life splitting scenarios without complexity. • Smart balance and settlement view See exactly who owes whom and how much. Get a clear summary of pending settlements to close balances quickly. • Real-time collaboration Group members can stay updated as expenses are added and actions are taken. • Invite and approval flow Join groups through invite links/codes and manage approvals in a structured way. • Expense timeline and records Access all historical expenses in one place for better tracking and accountability. • Profile insights Get your personal expense overview across groups and understand your contribution clearly. • Notifications for important activity Receive alerts for invites, approvals, and expense events so you never miss critical updates. • Secure account experience Designed with secure authentication and privacy-aware architecture for dependable usage. Who is SplitIt for? SplitIt is ideal for: • Friends on trips and vacations • Roommates sharing rent and utilities • Couples and families managing household costs • College groups and event teams • Office colleagues handling shared spend Why users choose SplitIt: • Clear and fair splitting • Fast setup and simple UI • Organized data instead of scattered messages • Better trust and transparency among members • Time saved during settlements Use cases: Travel: Track hotels, food, transport, and activities in one group. Settle at the end of the trip without arguments. Roommates: Split rent, groceries, electricity, internet, and maintenance with full visibility. Family: Manage shared household purchases and monthly spends in one structured flow. Team/Office: Handle lunch orders, team outings, and pooled expenses with clear records. Our goal: SplitIt is built to remove friction from shared spending. Money conversations in groups are often uncomfortable because details are unclear. SplitIt solves this by making every transaction visible, every split fair, and every settlement easy to complete. If you are looking for a reliable app to settle bills quickly and keep group expenses transparent, SplitIt gives you the tools you need in a clean and practical experience. Download SplitIt and start managing group expenses the smarter way.