TMBank vs Clarofi

Everyday banking is easier than ever using the Teachers Mutual Bank Mobile Banking App¹. You'll find all the things you can expect to make everyday banking simple, safe and fast. • Need a quick balance check? Use the Quick Balance feature to view your account balance instantly – no login needed! Fast, secure, and always at your fingertips. • Track your spending – Know where your money is going with the "How I Spend" feature. You can now track your spend for the month across different categories. • Maximise your savings by setting a goal in your savings account. Create a plan to get what you want – from a new car to a dream holiday. • Personalise your home screen to keep your top banking tasks at your fingertips. Choose what accounts, goals and spending trackers to show, plus quick links for transfers and payments. Reorder and rename to your heart’s content. • Lock or unlock transactions anytime, anywhere. Block online payments, ATM withdrawals, or even view your full card details – no physical card needed. Please note: If you have used digital banking before, you’re ready to use the app. You just need your Member Number and Internet Banking Password. Visit tmbank.com.au/faq for help. Important Information ¹ You should consider whether this service is appropriate for you before acquiring it. For additional information, please refer to our Security Guide for electronic transactions and the Mobile App Terms of Use. An internet connection is required to use the Mobile App. Normal mobile data charges apply. We test mobile banking to ensure compatibility with most popular devices, but cannot guarantee compatibility with all devices and operating systems. Teachers Mutual Bank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981. We collect anonymous information on how you use the application to perform statistical analysis of aggregate user behaviour. We do not collect personal information about you. By installing this app, you are giving your consent.

Clarofi — Clarity for your money Clarofi brings your spending, bills, and savings goals into one clear, simple view — so you always know exactly where you stand financially, without digging through statements or spreadsheets. See everything in one place Connect your accounts and watch your transactions organize themselves automatically. Clarofi categorizes your spending so you can spot patterns at a glance, whether it's dining out, subscriptions, or monthly bills. Stay ahead of your bills Never miss a payment again. Clarofi tracks upcoming bills and due dates, so you can plan ahead instead of scrambling at the last minute. Build a budget that actually works Set realistic budgets by category and track your progress in real time. Clarofi shows you where you're on track — and where you might be overspending — before the month gets away from you. Move money with confidence Send and receive transfers quickly and securely, with clear status updates every step of the way. Bank-level security, built in Your data is encrypted and protected with two-factor authentication, so your financial information stays private and secure. Go further with Clarofi Plus Upgrade to Clarofi Plus ($4.99/month) for advanced budgeting tools, unlimited scenario planning, and priority customer support — everything you need to plan further ahead with more control. Why people choose Clarofi Clean, intuitive design that makes managing money feel simple, not stressful Real-time transaction tracking and smart categorization Bill reminders that keep you ahead of due dates Budgeting tools built around how you actually spend Secure transfers with full visibility Responsive support, whenever you need help Whether you're trying to build better habits, save for something specific, or just want less financial stress day to day, Clarofi gives you the clarity to make confident decisions with your money. Download Clarofi today and take control of your finances. Clarofi Plus is an auto-renewing subscription. Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Manage or cancel your subscription anytime in your Account Settings. Privacy Policy: https://clarofi-budget-path.base44.app/privacy Terms of Use (EULA): https://clarofi-budget-path.base44.app/terms