Aideen Finnegan

So what's the benefit of using them over, we'll say, like stockbroking companies here in Ireland or the Zurichs and the Irish Lifes and that do the life-wrapped funds?

And actually, we spoke about those before, but you might do a quick reminder of what life-wrapped.

Because they're doing it for you.

And can I ask Dan, when I hear something is 0%, I'm kind of like, what's the catch?

Like, where are you making your money from me?

And who is the market maker?

Right.

So you might start seeing a charge because they can't make the money this way.

Is it a bit like a bank has your money, but it's probably lending your money to somebody else to make money on that?

You mentioned there about the small print.

I'm really glad you mentioned that because I wouldn't know what to watch out for.

So should people who are using these apps, should they be looking out for that?

Okay.

Does Revolut do that as well?

Yeah, it makes sense because...

If you're paying 0% commission, there's probably going to be some fees elsewhere and that's good to know.

Coming up, when you transfer money to these broker apps, how safe is it?

How safe is your money on these apps?

Like what you put in, will you get it back?

Where will it say that?