Betalo vs Spendwise

BETALO – USE YOUR CARD WHERE IT’S NORMALLY NOT ACCEPTED With Betalo, you can easily pay bills, invoices and send money – using your credit or debit card. It’s perfect when you want to use your card for payments that usually require a bank transfer. Want to pay rent, electricity, phone bills or an invoice from a contractor with your card? With Betalo, you can pay various bills and invoices to Bankgiro and Plusgiro using your existing card – while earning points, bonuses, and enjoying extended payment time through your card. Paying with your card doesn’t just give you flexibility – it’s also a secure way to manage your finances. You get full control over your cash flow, a better financial overview – and the same protection and security for bill payments as with regular card purchases. Betalo is available for both individuals and businesses, so whether you're paying as a private person or running your own company – you always have a smarter alternative to traditional payments. PAY BILLS WITH YOUR CARD - Pay to Plusgiro and Bankgiro with Mastercard, Visa and American Express. -Maximize your card’s value – earn points, bonuses, and extended payment time SEND MONEY TO SWEDISH BANK ACCOUNTS -Transfer from your Visa or Mastercard directly to a local bank account – to individuals or businesses -Earn points and bonuses, and use your card’s payment grace period even for bank transfers PERFECT FOR BOTH INDIVIDUALS AND BUSINESSES INDIVIDUALS: -Pay rent, electricity or phone bills and invoices with your card -Earn points and bonuses on everyday spending -Get control, flexibility, and a clear overview of your finances BUSINESSES (Only available in Sweden at the moment): -Pay supplier invoices with your card – even where cards aren’t accepted -Improve cash flow with longer payment periods and bonus advantages -Simplify accounting by consolidating all payments on one card SECURE, SIMPLE AND FAST -Log in securely with Mobile BankID -All communication is encrypted -Betalo operates in PCI-certified data centers with the highest security standards GET STARTED IN JUST MINUTES All you need is a personal ID number (Swedish or Norwegian), Mobile BankID, and a payment card. For businesses, you need to be an authorized signatory. FEES The fee varies by card and starts from 0%. Read about the different fees at betalo.com/avgifter or betalo.no/avgifter and about our partner cards at betalo.com/partners or betalo.no/. QUESTIONS – WE’RE HERE TO HELP Visit our FAQ, contact support in the app, or email us at info@betalo.se or info@betalo.no

Spendwise lets you view your credit card balance, transactions, invoices, and keep track of your Spendwise Privatlån. This app simplifies your life. You can for instance: • Get notifications of important events, purchases or if you reached your spending limits. • Choose and view your PIN code. • Block and order a new card if it has been lost or stolen. • Use “part payment”, in order to quickly see what it costs to divide a larger purchase over several months. • View your current debt, upcoming payment, and invoices for Spendwise Personal Loan. The app supports: • Scandic Friends Mastercard • Circle K Mastercard • Strawberry Mastercard • SJ Prio Mastercard • SaabKortet Mastercard • INGO Mastercard • NK Nyckeln Mastercard • Wallet • GlobeCard • Volvo Mastercard • Esso Mastercard • Finnair Plus Mastercard in Finland • Eurocard • Landkreditt Mastercard