mPay vs Latitude · Move Math

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

Where you live is a financial decision. Latitude compares your real after-tax income, lifestyle coverage, healthcare, and 5-year wealth path across 53 cities — so you can move where the math wins, not where the brochure looks nicest. Two modes for two different questions: • Working — tax arbitrage on income. Plug in gross income, tier, household, and see net-after-tax + lifestyle coverage + 5-year wealth delta vs. staying put. • FIRE — wealth × SWR vs. destination spending. Plug in liquid net worth, see whether your nest egg covers the lifestyle you want in the destination, taxed at LTCG rates. Inside each move: — Standard country tax rates plus opt-in expat regimes (Beckham in Spain, NHR in Portugal, Act 60 in Puerto Rico, impatriati in Italy, non-dom in UK) — Cost-of-living delta by line item — rent, healthcare, schooling, transport — Visa pathway by city (open / moderate / hard) and best route — Estate, inheritance, banking access, rule-of-law scoring — A 5-year wealth path chart: stay vs. move, with the delta in tabular nums Built for: — FIRE retirees scoping a low-tax destination — HNW professionals considering Lisbon, Dubai, Singapore, Switzerland — Expats weighing Beckham, NHR, Act 60 against the standard rates — Anyone making a decision worth more than $100k of future net worth Latitude is directional, not legal or tax advice. Verify with a local professional before acting. Free covers 10 marquee cities and a summary brief. Latitude Pro is a one-time purchase — no subscription, no renewals — unlocking the full 19-section deep brief, all 53 cities, unlimited saved scenarios, and expat-regime modeling.