Circlepay NG vs MangoMonie

Circlepay helps you build a savings habit that actually sticks, on your own or with the people you trust. Most of us plan to save every month, then it's gone before we notice. Circlepay fixes that by making saving social, simple, and something you look forward to. WHAT YOU CAN DO - Set a personal savings goal and watch it grow. - Start a circle with friends and save toward a shared goal together. - Run a rotating savings group, the ajo or esusu you already know, with a clear schedule and no chasing anyone for money. - Fund your wallet instantly with your own dedicated account number. - Withdraw to your bank whenever you need to. - Grow your Circle Score as you save consistently and unlock higher tiers. - Get reminders so you never miss a save. SAVE TOGETHER, NEVER BROKE Saving alone is hard. Saving with people who are counting on you is a different thing entirely. Circlepay brings your circle into your savings so you actually follow through. SAFE AND REGULATED Your money moves on regulated bank infrastructure through our licensed partner, Dot Microfinance Bank. We verify identity to keep accounts secure and meet financial regulations. BUILT BY STUDENTS, FOR STUDENTS Circlepay was built at Pan-Atlantic University by two students who wanted a better way to save on campus, with the people they save best with. Start building the habit today. Questions? circlepay@tosodigitaltechnologies.com

MangoMonie is a modern digital banking app built to help individuals, families and businesses manage money with confidence, convenience and control. Our mission is to make everyday financial services easier to access, easier to understand and easier to use. From payments and transfers to savings, investments and credit, MangoMonie brings essential financial tools together in one secure and intuitive experience. With MangoMonie, you can: • Open and manage your account from your phone • View balances, transaction history and account activity • Send money to MangoMonie accounts and other Nigerian banks • Save beneficiaries for faster repeat transfers • Buy airtime and data • Pay electricity, television and other supported bills • Download and share transaction receipts • Request and download account statements • Create savings plans for important goals • Earn returns on eligible balances through MangoMonie Yield • Explore supported investment opportunities • Apply for available personal, salary, SME, NYSC and other loan products, subject to eligibility • Track loans, repayments, savings and investments • Contact customer support directly from the app Save with purpose Create savings plans for rent, education, emergencies, business needs, family milestones or any goal that matters to you. MangoMonie helps you stay focused, monitor your progress and build better financial habits. Eligible customers may also activate MangoMonie Yield to earn daily returns on qualifying balances, subject to applicable terms and rates. Move money with confidence Send money securely, confirm beneficiary details before payment and keep track of every transaction. You can also download and share receipts whenever you need proof of payment. Pay bills with ease Buy airtime and data, pay electricity bills, renew supported television subscriptions and complete other everyday payments directly from your MangoMonie account. More than payments MangoMonie is designed to support your financial journey at every stage. Explore savings, investment and loan options created to help you prepare for the future, respond to urgent needs and pursue new opportunities. Security you can trust Your safety is central to the MangoMonie experience. The app supports secure sign-in, one-time passwords, transaction PIN protection and biometric authentication on compatible devices. We continually improve our security controls and fraud-monitoring systems to help protect your account, personal information and transactions. Never share your password, transaction PIN or one-time password with anyone, including anyone claiming to represent MangoMonie. Support when it matters Get help through the app, browse frequently asked questions, access your support conversations and connect with the MangoMonie customer support team through available channels. MangoMonie is more than a banking app. It is a financial partner built to help you save smarter, spend responsibly, grow steadily and access opportunities with confidence. Download MangoMonie today and experience banking that helps you grow. Important: Loans, investments, returns, transaction limits and product availability are subject to eligibility, account tier, applicable terms, prevailing rates and regulatory requirements. Fees may apply to some services. PRIVACY POLICY https://mangomfb.com/privacy-policy TERMS & CONDITION https://mangomfb.com/terms-and-conditions