MoneyHero Officially Launches Credit Hero Club in Hong Kong, Powered by TransUnion

• Strategic milestone in driving platform engagement and deepening long-term user value
• New platform provides free credit scores and reports to help consumers make informed borrowing decisions
• Launch follows data showing shift to more prudent borrowing, indicating heightened need for credit transparency

HONG KONG, October 30,2025 – MoneyHero Limited (NASDAQ: MNY) (“MoneyHero” or the “Company”), a leading tech- and AI-powered personal finance aggregation and comparison platform and a digital insurance brokerage provider in Greater Southeast Asia, today announced the public launch of Credit Hero Club in Hong Kong after a successful beta testing phase throughout September 2025. The new offering marksa strategic milestone in MoneyHero’s ongoing evolution toward tech- and AI-driven product offering innovation.

Credit Hero Club, powered by TransUnion, a global information and insights company, aims toprovide users one-stop access to their credit profiles leveraging TransUnion’scredit data. The platform helps users better understand their credit position,identify financial products that align with their credit profile, and simplifythe application process — all of which drives improved approval and conversionrates for partner banks and financial institutions, while delivering a moreseamless and personalised experience for users.

Market Data Suggests Increasingly Prudent Borrowing Patterns

By offering free access to credit scores and credit reports, Credit Hero Club empowers users to make better-informed borrowing decisions and allows commercial partners to acquire highly-targeted and engaged customers. MoneyHero’s loan application data for the first nine months of 2025 shows a shift toward more prudent borrowing:

• Super small loans applications surge: The proportion of applications for supersmall loans (below HK$100,000) rose by approximately 7 percentage points, increasing fromapproximately 31% of all applications in the first nine months of 2024 toapproximately 38% in the same period of 2025. This indicates a strongerappetite for smaller loans.
• Small loans applications stabilise: Applications for small loans (HK$100,000 to HK$299,999) fluctuated within a range of 17 to 25%in different quarters of 2024 but stabilised at roughly 21% during the first nine months of 2025.
• Medium and large loans applications decline: Applications for medium-sized loans (HK$300,000 to HK$799,999) decreased from approximately 32% in the first nine months of 2024 toapproximately 28% in the same period of 2025. ‍

Applications for large loans (HK$800,000 and above) decreased from approximately 16% in the first nine months of2024 to approximately 13% in the same period of 2025.

This shift toward smaller loan amounts might also reflect heightened caution among banks in Hong Kong, which appear to be prioritising risk management and lower exposure. The trend underscores the demand for clearer credit transparency in a more cautious lending environment: accurate, accessible credit information supports responsible borrowing by consumers and better targeting and risk assessment by lenders.

Hong Kong Consumers Increasingly Focused on Credit Health

According to TransUnion’s latest Consumer Pulse Study for Q3 2025, nearly half of the surveyed Hong Kong consumers (48%)are considering applying for new credit or refinancing existing credit within the next year, the highest level recorded over the past five quarters. Hong Kong consumers are also showing a growing awareness of their credit health. Average monthly traffic to MoneyHero’s Credit Score & Report-related content increased by approximately 32% in the first nine months of 2025compared with the same period in 2024, reflecting stronger user engagement and a heightened desire to make informed financial decisions.

Rohith Murthy, Chief Executive Officer of MoneyHero, said: “We are thrilled to launch Credit Hero Club to the public in Hong Kong with TransUnion, marking a significant milestone in our evolution. Moving beyond a comparison website, we areenhancing user engagement through technology and data. We’re empowering Hong Kong consumers with free access into their credit profiles, enabling them to make more informed financial decisions. This allows us to offer specialpartner products and to significantly improve the user experience, marking a significant step in the digitalisation of the end-to-end purchase journey. We look forward to deepening our collaboration with TransUnion as we expand CreditHero Club’s capabilities and roll out more targeted and personalised features in the future.”

For more information on Credit Hero Club, visit: https://creditheroclub.moneyhero.com.hk/en

###

Forward Looking Statements

This document includes“forward-looking statements” within the meaning of the United States federalsecurities laws and also contains certain financial forecasts and projections.All statements other than statements of historical fact contained in thiscommunication, including, but not limited to, statements as to the Company’sgrowth strategies, future results of operations and financial position, marketsize, industry trends and growth opportunities, are forward-looking statements.Undue reliance should not be placed upon the forward-looking statements.

‍

‍