# PACTLY@

> PACTLY@ (iPhone/iPad app by christopher de neef.)

- Source: https://appshunter.io/ios/app/pactly/id6769951432 (this page in markdown: same URL + `.md`)
- Developer: [christopher de neef](https://appshunter.io/developer/1896703363)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 17+
- Requires: iOS 15.1 · 47 MB
- Languages: American English
- Released: 2026-06-04
- Data updated: 2026-07-23
- User reviews in markdown: https://appshunter.io/ios/app/pactly/id6769951432/reviews.md

## What is PACTLY@?

Pactly · Clear accounts keep friendships strong

You lent your friend $20 for the movies? Running a family tontine? Splitting rent with your roommates?
Pactly turns these awkward money moments into clear, calm agreements.

— A pact is sacred. Every cent validated on both sides. —

 LOANS BETWEEN FRIENDS, IN TOTAL CONFIDENCE
• Create a loan in 10 seconds, the other party validates with a tap.
• Every repayment requires both parties to approve.
• Attach payment proof (photo, transfer screenshot) in a few taps.
• Clear deadlines: automatic reminders before due date.

 TONTINES & ROSCAs
• Create a rotating savings group with friends or family.
• Track contributions and payouts in real time.
• Tontine Mirror AI suggests the best partners based on trust scores.

 OBJECT LOANS
• Lend your book, camera, tools… without ever forgetting.
• QR code scanning for instant identification.
• Photo of the item before lending + automatic return reminder.

 SHARED BILLS & EXPENSES
• Split rent, groceries, nights out.
• Auto-calculates who owes whom.
• PDF export of monthly statements (admin-friendly).

 SECURITY & PRIVACY
• Face ID / Touch ID to unlock the app.
• Incognito mode hides amounts in public.
• End-to-end encrypted conversations.
• GDPR-compliant, data stored in Europe.

 INTERNATIONAL
• Available in French, English, Spanish, German, Italian, Portuguese, Dutch, Arabic (RTL), Turkish, Romanian, Polish, and Russian.
• Multi-currency (USD, EUR, GBP, CHF…).

 PACTLY PREMIUM (optional)
• Unlimited loans and tontines.
• Monthly PDF statement export.
• Advanced multi-level reminders.
• Unlimited history and statistics.
• Extended Trust Score with AI coach.
• Priority support.

Pricing:
• Monthly: $14.99/month
• Annual: $129.99/year (save 28%)

Secure payment via Apple In-App Purchase. No hidden commitments. Cancel anytime from Settings › Apple ID › Subscriptions.

 FREE FEATURES
• 3 simultaneous active loans free.
• Unlimited bilateral validation.
• Real-time notifications.
• Multi-device sync.

—

Pactly is designed to preserve your friendships by making accounts transparent and calm. No more arguments, no more failing memory, no more awkward "did you pay me back?" moments. Just a clear pact, validated on both sides.

Download Pactly today and rediscover the joy of lending without worry.

—

Support: support@pactly.app
Terms: https://pactly.app/terms
Privacy: https://pactly.app/privacy

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Pactly Premium - Mensuel | $3.99 | per month |
| Pactly Premium - Annual. | $34.99 | per year |



## Version history (last 5 releases)

### 1.0.23 — 2026-07-21

Pactly v1.0.20 — Simpler. Faster. Clearer.

NEW THEME

This release is a major overhaul driven by YOUR feedback.

 BRAND-NEW HOME SCREEN
• Crystal-clear 2×2 grid: Loans · Group Savings · Bills · Messages
• Everything at a glance, no more hunting
• Gold "New loan" button — impossible to miss
• Scroll hint so you know there's more below

 SIMPLER WORDING
• "Tontine" → "Group savings" — anyone gets it
• "Quick Split" → "Split a bill"
• Updated across all 12 languages

 CUSTOM NICKNAMES FOR YOUR CONTACTS
• Give each contact a personal nickname: "Roomie Sarah", "Bro Marc"…
• Only visible to you
• One-tap edit from any contact card

 REDESIGNED BOTTOM BAR
• New "Group Savings" tab — one tap away
• No more digging through menus

 CLEANER SETTINGS
• Essentials stay visible
• Advanced features (Karma, Wrapped, Predict, Time Capsules…)
  tucked under "Show more features"

 CLEARER "FEATURES MENU"
• Renamed from "Do anything" to "Features menu"
• Grid icon + quick preview of what's inside

 BUG FIXES
• Fixed sign-in failure on certain 5G networks
• General stability improvements
• Dashboard performance boost

 Huge thanks to the Pactly community.
Got a question? support@pactly.be

### 1.0.18 — 2026-06-11

Pactly v1.0.18 — Simpler. Faster. Clearer.

This release is a major overhaul driven by YOUR feedback.

 BRAND-NEW HOME SCREEN
• Crystal-clear 2×2 grid: Loans · Group Savings · Bills · Messages
• Everything at a glance, no more hunting
• Gold "New loan" button — impossible to miss
• Scroll hint so you know there's more below

 SIMPLER WORDING
• "Tontine" → "Group savings" — anyone gets it
• "Quick Split" → "Split a bill"
• Updated across all 12 languages

 CUSTOM NICKNAMES FOR YOUR CONTACTS
• Give each contact a personal nickname: "Roomie Sarah", "Bro Marc"…
• Only visible to you
• One-tap edit from any contact card

 REDESIGNED BOTTOM BAR
• New "Group Savings" tab — one tap away
• No more digging through menus

 CLEANER SETTINGS
• Essentials stay visible
• Advanced features (Karma, Wrapped, Predict, Time Capsules…)
  tucked under "Show more features"

 CLEARER "FEATURES MENU"
• Renamed from "Do anything" to "Features menu"
• Grid icon + quick preview of what's inside

 BUG FIXES
• Fixed sign-in failure on certain 5G networks
• General stability improvements
• Dashboard performance boost

 Huge thanks to the Pactly community.
Got a question? support@pactly.be

### 1.0.17 — 2026-06-09

Pactly v1.0.17 — Simpler. Faster. Clearer.

This release is a major overhaul driven by YOUR feedback.

 BRAND-NEW HOME SCREEN
• Crystal-clear 2×2 grid: Loans · Group Savings · Bills · Messages
• Everything at a glance, no more hunting
• Gold "New loan" button — impossible to miss
• Scroll hint so you know there's more below

 SIMPLER WORDING
• "Tontine" → "Group savings" — anyone gets it
• "Quick Split" → "Split a bill"
• Updated across all 12 languages

 CUSTOM NICKNAMES FOR YOUR CONTACTS
• Give each contact a personal nickname: "Roomie Sarah", "Bro Marc"…
• Only visible to you
• One-tap edit from any contact card

 REDESIGNED BOTTOM BAR
• New "Group Savings" tab — one tap away
• No more digging through menus

 CLEANER SETTINGS
• Essentials stay visible
• Advanced features (Karma, Wrapped, Predict, Time Capsules…)
  tucked under "Show more features"

 CLEARER "FEATURES MENU"
• Renamed from "Do anything" to "Features menu"
• Grid icon + quick preview of what's inside

 BUG FIXES
• Fixed sign-in failure on certain 5G networks
• General stability improvements
• Dashboard performance boost

 Huge thanks to the Pactly community.
Got a question? support@pactly.be

### 1.0.16 — 2026-06-08

Pactly v1.1.4 — Simpler. Faster. Clearer.

This release is a major overhaul driven by YOUR feedback.

 BRAND-NEW HOME SCREEN
• Crystal-clear 2×2 grid: Loans · Group Savings · Bills · Messages
• Everything at a glance, no more hunting
• Gold "New loan" button — impossible to miss
• Scroll hint so you know there's more below

 SIMPLER WORDING
• "Tontine" → "Group savings" — anyone gets it
• "Quick Split" → "Split a bill"
• Updated across all 12 languages

 CUSTOM NICKNAMES FOR YOUR CONTACTS
• Give each contact a personal nickname: "Roomie Sarah", "Bro Marc"…
• Only visible to you
• One-tap edit from any contact card

 REDESIGNED BOTTOM BAR
• New "Group Savings" tab — one tap away
• No more digging through menus

 CLEANER SETTINGS
• Essentials stay visible
• Advanced features (Karma, Wrapped, Predict, Time Capsules…)
  tucked under "Show more features"

 CLEARER "FEATURES MENU"
• Renamed from "Do anything" to "Features menu"
• Grid icon + quick preview of what's inside

 BUG FIXES
• Fixed sign-in failure on certain 5G networks
• General stability improvements
• Dashboard performance boost

 Huge thanks to the Pactly community.
Got a question? support@pactly.be

### 1.0.12 — 2026-06-07

Pactly v1.1.4 — Simpler. Faster. Clearer.

This release is a major overhaul driven by YOUR feedback.

 BRAND-NEW HOME SCREEN
• Crystal-clear 2×2 grid: Loans · Group Savings · Bills · Messages
• Everything at a glance, no more hunting
• Gold "New loan" button — impossible to miss
• Scroll hint so you know there's more below

 SIMPLER WORDING
• "Tontine" → "Group savings" — anyone gets it
• "Quick Split" → "Split a bill"
• Updated across all 12 languages

 CUSTOM NICKNAMES FOR YOUR CONTACTS
• Give each contact a personal nickname: "Roomie Sarah", "Bro Marc"…
• Only visible to you
• One-tap edit from any contact card

 REDESIGNED BOTTOM BAR
• New "Group Savings" tab — one tap away
• No more digging through menus

 CLEANER SETTINGS
• Essentials stay visible
• Advanced features (Karma, Wrapped, Predict, Time Capsules…)
  tucked under "Show more features"

 CLEARER "FEATURES MENU"
• Renamed from "Do anything" to "Features menu"
• Grid icon + quick preview of what's inside

 BUG FIXES
• Fixed sign-in failure on certain 5G networks
• General stability improvements
• Dashboard performance boost

 Huge thanks to the Pactly community.
Got a question? support@pactly.be

---

*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 2026-07-23.*