Neobank and Exchange

Every has two bottom bars and you choose which one you use. Neobank puts paying, saving and your points first, like a banking app. Exchange puts the markets and your positions first, like an exchange app. Underneath it is the same: what changes is which five doors you have at hand, not what is behind them.

Which tabs each mode has

Mode	Tabs
Neobank (the default)	Every (Home) · Invest · Payments · Savings · Points
Exchange	Every (Home) · Spot · Perps · Predictions · Portfolio

The first tab, Every, is Home in both modes: your money comes in, goes out and is counted in the same place whichever bar you pick.

How to switch

1. Tap your avatar, at the top of any tab, to open Profile.

2. In the The app group, open Settings.

3. Tap App mode, the first row under Preferences.

4. Pick Neobank or Exchange. The bar changes straight away.

The mode is saved on that phone, like the theme or the language. If you sign out it stays as it was, and on another phone you start on Neobank until you change it there. The web has no modes: it is always a trading app.

The screens are the same

Picking Exchange doesn’t give you a different app. The Spot tab is the same Spot room you open from Invest → Spot in Neobank; Perps and Predictions too. Every buy goes through the same asset page, with the same price, the same fee and the same leverage screen. Home’s figures are the same.

What the Exchange mode does add, because that is how frequent traders work:

• Lists over Spot and Perps. All, Favourites, Trending, Gainers, Losers and HIP-3, with a star on each row to save a market to Favourites.
• Portfolio. A tab with what your account is worth and its result, how it splits between cash, savings and each kind of investment, your VIP level and your points, and under all that three tabs: Positions, Open orders (where you can also cancel) and History.

Where to find what isn’t on the bar

You’re looking for	In Neobank	In Exchange
Sending and receiving	Payments tab	On Home, Send and Add money
Savings	Savings tab	On Home, Move, or swipe the figure to Savings
Points and VIP level	Points tab	Inside Portfolio
Investing	Invest tab, with its three doors	The Spot, Perps and Predictions tabs
How your money splits	On Home, the Accounts pill or the Net worth widget	The Accounts pill; the Net worth widget takes you to Portfolio

Note

The welcome tour only runs in Neobank, because it walks through its tabs. If you want to see it, switch to Neobank and go to Profile → Settings → Replay the tour.

Which one to pick

• Neobank if you mostly use Every to pay, save and buy now and then. It is the app’s default and the one these pages follow.
• Exchange if you mostly come in to watch markets and manage positions, and want your orders one tap away.

You can switch whenever you like: it doesn’t move money, close positions or cancel orders.