# Beem - Digital Wallet — Pay & split + Reward & loyalty

> Digital wallet for payments, bill splitting, rewards, loyalty, and gift cards. (iPhone/iPad app by Beem It.)

- Source: https://appshunter.io/ios/app/beem-digital-wallet/id1363864739 (this page in markdown: same URL + `.md`)
- Developer: [Beem It](https://appshunter.io/developer/1363864738)
- Category: Finance, Utilities
- Price: Free
- Rating: 4.70/5 from 152 App Store ratings · 158 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 98 MB
- Languages: American English
- Released: 2019-09-22
- Data updated: 2026-09-06
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/beem-digital-wallet/id1363864739/reviews.md

## What is Beem?

A digital wallet that does more than store. 

With Beem you can pay, request, transfer and split money – plus earn rewards and keep your loyalty and gift cards – all in one place. It’s easy, secure and free to download.  

---------------- 

One wallet. Many possibilities. 
Say goodbye to the bulky, chuck in your bag retro wallet, and say hello to a shiny, new, all-in-one app that does more than store cards.  

Pay people. Not accounts. 
We facilitate payments, but we’re not a bank. Beem syncs up to your contacts, so you flick it over, divvy it up or call it in with anyone in your network. No bank details needed.  
 
Split the bill. Not friendships. 
Track and split expenses between mates without any chasing or awkward convos. You can even create multiple groups for friends, family or workmates. Just enter the amount, we calculate who-owes-what, and everyone settles up. Quick, easy, and all in the app. 

Get cashback. When you spend. 
Unlock more value with online and in-store offers via Beem Rewards. Shop in-person with your linked cards or online via the app and watch your savings grow. 

BPAY® on Beem. Easy as. 
Master your bills in moments. With BPAY built-in, you know where your money is going and when it’s going to land. 

Maximise loyalty. Store in one place. 
Time to declutter all the plastic, punch cards and apps. Beem digitalises all your loyalty cards together in one place. 

Less risk. More reward. 
Do you know what present everyone really loves? Choice. Buy and send a personalised gift card from your wallet to theirs. 

---------------- 

The fine print 
Digital Wallet Pty Ltd ABN 93 624 272 475 (Digital Wallet) AFSL 515270 is the issuer and provider of the Beem facility. Before downloading the app, please consider the Product Disclosure Statement and Terms and Conditions, available at beem.com.au. 

References to 'Beem' or 'Beem It' are used interchangeably. Any financial product advice, incidental or expressly, provided by Digital Wallet is general advice only. This advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on it, consider if Beem is appropriate for your circumstances. To make or receive a payment through Beem, a valid Visa or Mastercard debit card attached to an Australian bank account is required. 

T&Cs apply. Beem Rewards and Beembucks have no monetary value. Any value assigned and any redemption is at the sole discretion of Digital Wallet. You have no entitlement to Beem Rewards and Beembucks until Digital Wallet has notified you that Beem Rewards have a value, you have accumulated more than AUD$10 in Beembucks notified value and you have requested redemption. Please read the PDS and T&Cs, Privacy Policy and Beem Rewards T&Cs.

## Key features

- Send and request money
- Split bills with contacts
- Earn cashback rewards
- Store loyalty cards
- Integrated BPAY for bills
- Send digital gift cards

## What do users think of Beem?

Overall sentiment: mixed

**Pros**

- 🚀 Quick and easy payments
- 💳 Convenient for splitting bills and expenses
- 🤝 Great for friend groups and co-living
- 💰 No bank fees for transfers
- 🤖 Simple and intuitive interface

**Cons**

- 🐛 Frequent app crashes and bugs
- 🔒 Overly strict verification process
- 🔄 Repeated security checks for payments
- 💳 Issues with adding and verifying cards
- 🤔 Unclear expense splitting calculations

**Commonly reported bugs**

- App not loading or freezing after updates
- Payments not showing up or getting lost
- Inability to remove or change linked cards
- Account verification issues and lockouts
- Loyalty card feature not functioning properly

**Most requested features**

- Add search function to find past transactions
- Allow admins to close payment groups
- Integrate receipt/bill upload for expenses
- Provide option to change payment split ratios
- Add support for international users and cards

## Recent user reviews (10 of 158)

All indexed reviews: https://appshunter.io/ios/app/beem-digital-wallet/id1363864739/reviews.md

### 3/5 — Great app, just need a few small improvements

*2026-07-31, version 5.3.0*

Overall a great app for splitting payments with groups. It’s just missing one thing that’d make it MUCH better to use - invite links


If I want to add a bunch of people in my group chat to a been group, I should just be able to share an invite link rather than having to ask each of their handles.

### 1/5 — App sucks after update

*2026-07-30, version 5.3.0*

I have an iPhone 7 and was forced to update ios to use the app. Now after updating app still does not work. Don’t trust your banking details with this because it can all be gone when you least expect it

### 1/5 — verify is broken

*2026-07-29, version 5.3.0*

wasted so much of my time trying to verify on your broken system. fix the backend verification process first.

### 5/5 — 🔥✨ CRAZY GOOD UI ✨ 🔥

*2026-07-24, version 5.3.0*

Never seen another app with this design principle + UX

### 5/5 — Easy

*2026-07-16, version 5.2.7*

Just Easy

### 4/5 — Great

*2026-07-07, version 5.2.7*

Easy payments fast!

### 5/5 — Easy to use

*2026-07-04, version 5.2.7*

Easy and simple.

### 2/5 — Can’t delete account

*2026-06-28, version 5.2.7*

Can’t delete my account because I can’t leave a group from four years ago because someone else in that group owes another someone else $30. Genius.

### 5/5 — Mr

*2026-06-12, version 5.2.7*

This such an amazing service and app. Really handy to support my family financially

### 5/5 — Excellent

*2026-06-10, version 5.2.7*

Excellent!

## Frequently asked questions about Beem

### What is Beem?

Beem is a digital wallet that allows you to pay, request, transfer, and split money with your contacts. It also lets you store loyalty cards, gift cards, and earn rewards on your spending. It is part of Australian Payments Plus (AP+).

### How do I pay or split bills with Beem?

Beem syncs with your contacts, allowing you to easily send or request money without needing bank details. For splitting bills, you can track expenses with friends, family, or colleagues, and the app calculates who owes what, facilitating easy settlement within the app.

### Does Beem offer rewards or cashback?

Yes, Beem offers Beem Rewards, which can provide cashback and other offers when you shop online or in-store with linked cards or through the app. Beembucks accumulated through rewards have no monetary value until specific redemption conditions are met.

### Can I pay bills with Beem?

Yes, Beem has BPAY integrated, allowing you to manage and pay your bills directly from the app. This feature helps you keep track of your expenses and payment due dates.

### Is Beem free to use?

Beem is free to download and use for its core payment and splitting functionalities. While the app itself is free, there may be associated costs or terms related to specific features like Beem Rewards redemption, and it is supported by in-app purchases.

## Version history (last 5 releases)

### 5.3.0 — 2026-07-17

We've made some behind-the-scenes updates to keep the app running smoothly and securely.

### 5.2.7 — 2026-06-04

Beem now offers ConnectID®, a new way to verify your identity via your bank.

### 5.2.6 — 2026-02-08

Beem now offers ConnectID®, a new way to verify your identity via your bank.

### 5.2.5 — 2025-09-28

Beem now offers ConnectID®, a new way to verify your identity via your bank.

### 5.2.4 — 2025-09-07

We’ve made some behind-the-scenes updates to keep the app running smoothly and securely.

## Apps similar to Beem

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Apple Wallet](https://appshunter.io/ios/app/apple-wallet/id1160481993) | 4.8 (6,665,079) | Free | Finance |
| [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,298,457) | Free | Finance |
| [Skrill - Pay & Transfer Money](https://appshunter.io/ios/app/skrill-pay-and-transfer-money/id718248239) | 4.6 (24,157) | Free | Finance |
| [Curve Pay — Wallet & Cashback](https://appshunter.io/ios/app/curve-pay-wallet-and-cashback/id1049397112) | 4.5 (3,826) | Free | Finance |
| [My Card Wallet: Secure Notes](https://appshunter.io/ios/app/my-card-wallet-secure-notes/id1259742455) | 4.3 (137) | Free | Finance |
| [Wallet - Daily Budget & Profit](https://appshunter.io/ios/app/wallet-daily-budget-and-profit/id1032467659) | 4.6 (5,879) | Free | Finance |

## Related topics

[walletsplit](https://appshunter.io/ios/topics/walletsplit) · [debit card transfer](https://appshunter.io/ios/topics/debit-card-transfer)

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-06.*