Ubank Money App vs Klarna | Shop now. Pay later. Usage & Stats

Signing up with a bonus code? Enter your code and make 5 eligible card purchases in your first 30 days to earn your signup bonus. See full terms below. Ubank is an everyday money app with banking and budgeting tools that help you get ahead with money. No matter where you’re starting from, ubank has loads of savvy features to help you do everyday money better, including: - No monthly fees and no overseas or international transaction fees from ubank. - Easy to unlock bonus interest on Save accounts, with a monthly $500 deposit (on balances up to $250K per customer). Withdraw money without affecting your bonus interest rate. - Connected Accounts, to display your other bank accounts and their balances in the ubank app. - Instant digital cards so you can start spending straight away with your digital wallet. - Bill prediction to notify you when your regular expenses are coming up. - Shared Accounts for rent or romance, so you can share money with your partner-in-finance. - Save Targets with an Autosave option, to help you save like a machine for your goals. - A Spending Footprint that tracks your spending in easy to follow categories. Ubank also supports you in the big moments, with flexible home loans for owner-occupiers, investors, and refinancing your loan. Apply with ubank for a comfortable loan with easy application, fast approval and great customer support along the way. Download the app and get started in minutes with a Spend and Save account. --------------------------------------------------------------------------------------------------------------------- Ubank is part of the NAB Group and uses advanced encryption technology to protect your money. Ubank is open to Australian citizens and permanent residents aged 16 or older, with at least one form of ID (Australian driver licence, passport, Medicare card or birth certificate). This is general information and doesn't take your personal situation into account. Please take the time to make sure it’s right for you. Read our General Terms at ubank.com.au/general-terms Read our Target Market Determinations at ubank.com.au/tmd Read our Bonus Offer terms at ubank.com.au/join-ubank *Kill Bills. Sign up to Ubank and you could win $10K to eliminate your expenses. Receive one entry for each ubank bills account held as at 5/1/2025. Two winning entries, drawn at random, will each win $10K paid into that account. Prizes drawn on 6/1/25 in Sydney. Winners published on ubank.com.au. Ts&Cs apply - see ubank.com.au/campaigns/kill-bills Permit numbers NSW TP/03874, ACT TP 24/02447, SA T24/1854 Info is general. Consider it’s right for you Android, Google Pay and Google Play are trademarks of Google Inc. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Products issued by ubank, part of National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.

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Klarna | Shop now. Pay later.

MANAGE YOUR PAYMENTS. Get a complete overview of your purchases, upcoming payments, and outstanding balance. Stay on track by activating push notification reminders. SHOP AT YOUR FAVORITE BRANDS. Access Klarna's flexible payment options anywhere, and unlock cashback rewards at top stores—exclusively in the Klarna app. You can Pay now, Pay in 4 interest-free payments, Pay in 30 days, or Pay over time. UP TO 10% CASHBACK. Shop in the app and earn up to 10% cashback. No confusing points system—just real cash added to your Klarna balance, ready for your next purchase at any store. GET THE KLARNA CARD. Use Klarna at the coffee shop, mall, or restaurant—wherever Visa is accepted. Pay later or over time, shop abroad without additional foreign exchange fees, and enjoy no monthly or annual fees. UNLOCK YOUR KLARNA BALANCE. Earn money when you shop. Get cashback from Klarna purchases and receive lightning-fast refunds. Open your Klarna balance in minutes for free, add money instantly, and start collecting your cashback. SHOP NOW. PAY LATER. Split the cost of your purchase from any Klarna app store into 4 smaller, interest-free payments. And it works just as easily in-store with Apple Pay. So get what you love today and pay later. NEW DEALS EVERY DAY. Shop and save with exclusive deals and discounts from all over the world, right in the Klarna app. Find a deal you like, claim it with a tap, and check back tomorrow—new offers are added all the time. TRACK ALL YOUR DELIVERIES. Get live updates with delivery times, pickup codes, and even pickup location photos. Track your purchase from store to door in the Klarna app. HASSLE-FREE RETURNS. Need to send something back? Report a return right in the app. We’ll pause your purchase so you don’t have to pay in the meantime. INSTANT SHOPPING CONFIRMATION. No one likes to wait. When you buy something in the Klarna app, you'll see your purchase just seconds after you place the order. 24/7 CUSTOMER SERVICE. Use our chat in the Klarna app for round-the-clock service. DIGITISE YOUR LOYALTY CARDS Klarna is the official successor to Stocard. Unclutter your wallet by scanning the code on your plastic cards within seconds. // CA resident loans made or arranged pursuant to a California Financing Law license. //