# PINACLE Pass® vs Owesum

The clearest difference is review sentiment: Owesum at 100% against PINACLE Pass®'s 7%. Owesum also leads on rating (5.0 vs 2.7) and update cadence (every 11 days vs every 2 months). PINACLE Pass®'s advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, ratings volume, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Owesum holds the better App Store score, 5.0 against 2.7. Both are backed by a comparable volume of ratings — 15 and 9 respectively. Written reviews point the same way: 7% of PINACLE Pass®'s written reviews are positive against 100% of Owesum's.

PINACLE Pass® ships an update every 2 months, Owesum every 11 days. The most recent releases landed on November 2, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | PINACLE Pass® | Owesum |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.7 (15 ratings)](https://appshunter.io/ios/app/pinacle-pass/id1239202240/reviews) | **[5.0 (9 ratings)](https://appshunter.io/ios/app/owesum/id6779908100/reviews)** |
| Number of ratings | **15** | 9 |
| Positive reviews | 7.1% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 2 months | **Every 11 days** |
| Monetization | **Free** | Ad-supported |
| Size | 21 MB | 71 MB |
| Requires iOS | 16.6 | **16.4** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [PNC Bank, N.A.](https://appshunter.io/developer/303113130) | [Soo Hyung Lee](https://appshunter.io/developer/6779908102) |

## What reviewers say

### PINACLE Pass®

[App page](https://appshunter.io/ios/app/pinacle-pass/id1239202240)

This app generates one-time passcodes for secure authentication on the PINACLE desktop and mobile sites. Once your mobile token is activated by an administrator, you can easily access the required passcode to log in.

**Highlights:** Generates one-time passcodes, Secure authentication, Alternative to physical tokens, Token activation, Works with PINACLE desktop and mobile

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Owesum

[App page](https://appshunter.io/ios/app/owesum/id6779908100)

Easily calculate tips and split bills with friends. Scan receipts or enter details manually to see service fees and gratuity upfront. Split the total evenly, with each person's share rounded to the cent.

**Highlights:** Tip on pre-tax subtotal, Detect service fees and gratuity, Split bills evenly, Scan receipts with on-device OCR, Manual bill entry, Offline functionality, Bill history

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is PINACLE Pass® free?

PINACLE Pass® is free to download, with no in-app purchases.

### Is Owesum free?

Owesum is free to download, with no in-app purchases.

### Which has better reviews, PINACLE Pass® or Owesum?

Owesum is rated higher. PINACLE Pass® averages 2.7 out of 5 from 15 ratings, while Owesum averages 5.0 from 9 ratings.

### Do PINACLE Pass® or Owesum have ads?

Owesum shows ads; PINACLE Pass® does not.

### Which is updated more often, PINACLE Pass® or Owesum?

PINACLE Pass® ships an update every 2 months, and Owesum every 11 days. Most recently, PINACLE Pass® was updated on November 2, 2026 and Owesum on November 5, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*