Comparison

Beem vs On The Monee

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Beem

Manage your money, split bills, and earn rewards all in one secure digital wallet. Pay, request, and transfer funds easily with contacts, and store loyalty and gift cards. Offers cashback and integrated BPAY for bill payments.

Highlights
  • Send and request money
  • Split bills with contacts
  • Earn cashback rewards
  • Store loyalty cards
  • Integrated BPAY for bills
  • Send digital gift cards
Features
Read full description

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.

About

On The Monee

This digital tipping solution allows casual workers to receive and spend tips instantly via a digital card. Employers can pay employees electronically and securely. Users also gain access to over 4500 retailer discounts.

Highlights
  • Instant tip payments
  • Digital wallet
  • Retailer discounts
  • Secure electronic payments
  • Employee payment solution
Features
Read full description

A better way to pay tips! A game-changing digital tipping solution that revolutionises payments for casual workers. For Employees: No need to pop into work to receive your hard-earned tips, get paid and spend instantly with your OnTheMonee Card. As an extra bonus you have access to over 4500 retailer discounts both online and in-store when using your digital wallet. For Employers: Pay your employees instantly, electronically and securely with a digital card treated like cash.

Screenshots

Beem4 screens
On The Monee3 screens

Verdict

The call

The clearest difference is monetization model: On The Monee at free against Beem's free with in-app purchases. On The Monee also leads on review sentiment (71% vs 58%). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Beem ships an update every 2 months, On The Monee monthly. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

Scorecard2 real differences · 8 level
Beem versus On The Monee: the parameters behind the verdict, then further details
ParameterBeemOn The Monee
PriceFreeFree
Rating4.7 (154 ratings) — better—
Positive reviews57.6% of reviews71.4% of reviews — better
Number of ratings154 — better—
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.6
Further details — not scored
Size98 MB124 MB
Age rating4+4+
DeveloperBeem ItValorem Pty Ltd

Customer experience

Beem

All ratings152 ratings
Positive92.8%
Neutral2.0%
Negative5.3%
Written reviews158 reviews
Positive57.6%
Neutral9.5%
Negative32.9%

On The Monee

Written reviews7 reviews
Positive71.4%
Neutral0.0%
Negative28.6%

Bugs and requests

Beem

Reported bugs

5 issues
  • 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

Requested features

5 requests
  • 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

On The Monee

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Beem

No in-app purchases

None

On The Monee

No in-app purchases

Questions

Is Beem free?
Beem is free to download, with no in-app purchases.
Is On The Monee free?
On The Monee is free to download, with no in-app purchases.
Do Beem or On The Monee have ads?
Neither Beem nor On The Monee shows ads.
Which is updated more often, Beem or On The Monee?
Beem ships an update every 2 months, and On The Monee monthly. Most recently, Beem was updated on October 29, 2026 and On The Monee on October 30, 2026.

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