VÚB Mobile Banking vs TopRate Transfer

VÚB Bank brings you the award-winning VÚB Mobile Banking app, which gives you complete management of your finances and secure access to a number of services that make you no longer have to go to a branch. The app retains clarity and simplicity and you can customize it to suit your needs. Most popular features: • Remote banking – possibility to contact your advisor, upload your documents, sign any necessary documents remotely etc. • Confirmation of online card payments with Mobile PIN or biometrics • Withdrawal from an ATM by mobile phone – the safest form of cash withdrawal without the need for a card and the card PIN • Uploading of invoices in PDF format directly to the mobile app • Authorized calls to our Contact centre from your app – you skip the authorization step and save several minutes of your time • Postal order, IBAN and QR code scanner – you can easily pay invoices without lengthy filling in of data • Biometric login – used by up to 30% of our clients • Mobile payments support – add and manage your cards via the app • Payment sharing – a quick way to share your IBAN or various payments and costs with other people via payment link (Payme) or QR code • Quick balance check on selected account – no log-in needed • Overview of loans and an online loan application • Online credit card loans payments • Card blocking or temporary deactivation/activation in case of loss or theft • Payment to a phone number Other useful features: • Quick access to your selected features • Quick balance for a selected account – account balance info without the need to login • Overview and set up of notifications sent to your phone number, email, or as PUSH messages • Management of standing orders and payment partners • Unlimited payment operations • Possibility to interact with a branch employee • Planned payments – clearly structured into pending payments, standing orders and installments • Daily savings • Change the Internet limit on both debit and credit cards • Credit card PIN display • Change the limit for ATM withdrawals, merchant payments, and the maximum daily limit for debit cards • Online opening of savings accounts and travel insurance purchase • Product statements • Overview of all banking products with the option to request them • Profile picture • Overview of direct debits authorizations • Currency convertor and exchange rate • Map of branches and ATMs • Option to arrange an appointment with your personal bank advisor or banker How do I activate the app? To activate the application, you need to have the Nonstop banking service enabled. On the home screen of the Mobile banking app, click on the "Activation" button. Sign in with the ID number and password you use to log in to Internet banking. You will then receive an SMS with an activation code. Write it into the app and choose your new 4-digit Mobile PIN. If your device supports fingerprint scanning or Face ID, you can also activate this sign-in method. How much will you pay for this service? The Mobile banking app is free and does not contain any paid services. Fees for operations carried out through Mobile banking are subject to a valid price list of VÚB Bank. If you don’t have the Nonstop banking service, or in case of any other questions, please contact us: • via service KONTAKT at 0850 123 000 within Slovakia or at +421 2 4855 59 70 from abroad • by e-mail at kontakt@vub.sk

Send money from Australia and New Zealand to Nigeria, Ghana and Kenya at great exchange rates, with low fees you can see before you pay. TopRate Transfer is built for families and friends who send money home, whether that's school fees, rent, a wedding or support every month. SEE EXACTLY WHAT ARRIVES Enter an amount in AUD and see the exchange rate, our fee and the exact amount your recipient gets in naira (NGN), cedi (GHS) or shilling (KES), before you confirm. No hidden charges. PAY THE EASY WAY Pay with PayID straight from your Australian bank account. DELIVERY THAT SUITS YOUR FAMILY Send to a bank account, or to a mobile money wallet in Ghana and Kenya. TRACK EVERY TRANSFER Follow your transfer live, from payment to delivery, and get a notification when it arrives. NEVER MISS A GOOD RATE Set a rate alert for AUD to NGN, GHS or KES and we'll tell you when the rate hits your target. SEND AGAIN IN ONE TAP Save your recipients and repeat a transfer in seconds. SECURE BY DESIGN • Sign in with Face ID, Touch ID or a passkey • Identity verification keeps your account and your money safe • Your personal data is encrypted REWARDS Earn rewards and invite friends with refer-a-friend offers. HELP WHEN YOU NEED IT Get help in the app, or chat with our support team on WhatsApp. MORE COUNTRIES COMING SOON We're adding more countries across Africa, Asia and the Pacific, and sending from New Zealand. ABOUT US TopRate Transfer is a trading name of Top Rate Transfer Pty Ltd (ACN 641 161 444), an Australian business registered with AUSTRAC as a remittance service provider. Download TopRate Transfer and send money home today.