mPay vs MamonApp

Pay easier than ever before with mPay! Join nearly 2 million users and manage all your finances in a single app. - Visa mPay multicurrency Debit Card: Pay in Poland and abroad. - Send & receive money with free instant money transfers to other users - Public transport and train tickets: Buy fast, plan your trips, and skip the queues. Get tickets from top carriers in Poland, including PKP Intercity. - Parking payments: Pay only for the time you park. Stop and resume parking anytime, anywhere. - Car and travel insurance: Access dozens of offers in seconds. - Need some extra cash? Get loans in the app—quick and hassle-free. Flexible loan options tailored to your needs: - Up to PLN 5,000* – first loan with RRSO 0%, repay in 61 days. - Up to PLN 9,6000 – RRSO 76.88%, repay in up to 12 months. - Up to PLN 25,000 – RRSO 53.92%, repay in up to 42 months. Download the app now and enjoy freedom in your everyday payments! The minimum and maximum loan period available to customers through mPay S.A. is 61 days. The minimum and maximum APR for the first loan is 0%, provided the loan is repaid within 61 days. The maximum APR for subsequent loans is 76.88%, provided the loan is repaid within 61 days. The loan provider is Soonly Finance sp. z o.o. Loan approval depends on the applicant’s creditworthiness assessment. Representative example for the first loan provided through mPay S.A.: Annual Percentage Rate (APR): 0% based on the following assumptions: total loan amount PLN 1,000; total amount to be repaid PLN 1,000; fixed annual interest rate: 0%; total loan cost: PLN 0; agreement duration: 61 days. Data as of March 5, 2026. Representative example for subsequent loans provided through mPay S.A.: Annual Percentage Rate (APR): 76.88% based on the following assumptions: total loan amount PLN 2,700; total amount to be repaid PLN 2,970; fixed annual interest rate: 0%; total loan cost: PLN 290 (fee: PLN 270, interest: PLN 0); agreement duration: 61 days. Data as of March 5, 2026. The personal data administrator is Soonly Finance sp. z o.o., headquartered at ul. Żwirki i Wigury 16c, 02-092 Warsaw, Poland. Tax ID (NIP): 525-253-13-20, REGON: 146101268. Registered at the District Court for the Capital City of Warsaw in Warsaw, 14th Commercial Division of the National Court Register, KRS 0000418977. Entry number in the Register of Credit Intermediaries and Loan Institutions maintained by the Polish Financial Supervision Authority: RIP000020. Share capital: PLN 40,019,100. All information regarding the principles of personal data processing, purposes of processing, legal grounds, categories of data recipients, data processing periods, whether providing data is mandatory or voluntary, the consequences of not providing data, automated decision-making, and your rights can be found in our Privacy Policy: https://www.soonly.pl/nasza-polityka-prywatnosci

You know how much you spend. But do you know what you actually spend it on? MamonApp helps you organize everyday household expenses without connecting a bank account or making your personal finances unnecessarily complicated. Record quick expenses such as bills, rent, insurance and other costs, or create detailed purchases containing the individual products you actually bought. This gives you a clearer picture of not only how much you spend, but what your money is really spent on. TRACK EVERYDAY EXPENSES Keep purchases, bills, payments and other household costs in one place. Create your own categories and organize expenses in a way that fits your household. RECORD DETAILED PURCHASES You don't have to stop at "Groceries - $50". With MamonApp, you can record individual products, quantities and prices inside a purchase and build a more detailed history of your real shopping habits. PLAN YOUR SHOPPING Create shopping lists, add products and use barcode scanning while shopping. When you're done, turn your shopping list into an actual expense so your planning and purchase history stay together. UNDERSTAND YOUR SPENDING Reports and charts help you see: • how much you spend, • which categories generate the highest costs, • how your spending changes over time, • which purchases have the biggest impact on your household finances. NO BANK CONNECTION REQUIRED MamonApp focuses on the expenses you choose to record. You don't need to connect the app to your bank account or provide access to your banking history. KEY FEATURES • household expense tracking • quick expenses • detailed purchases • custom categories • shopping lists • shopping list to expense conversion • barcode scanning • expense history and filtering • reports and charts • XLSX data export MamonApp helps you understand everyday spending and purchases without building a complicated personal finance system. Start recording expenses and see where your money really goes. MamonApp is available as a monthly or annual subscription. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ and https://www.mamonapp.com/Legal/TermsOfUse