# Beem vs Settle

The clearest difference is in-app purchases: Beem at none against Settle's 10. Beem also leads on iOS requirement (15.0 vs 26.4). Settle's advantage is update cadence (fortnightly vs every 2 months). On price, ads and device support there is nothing between them.

Both are free to download. Settle sells 10 in-app purchases, starting at $9.99 per month. Beem asks for nothing beyond the download.

Beem ships an update every 2 months, Settle fortnightly. The most recent releases landed on October 13, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | Beem | Settle |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (152 ratings)](https://appshunter.io/ios/app/beem-digital-wallet/id1363864739/reviews)** | — |
| Number of ratings | **152** | — |
| Positive reviews | 57.6% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Fortnightly** |
| Monetization | Free with in-app purchases | — |
| Size | 98 MB | 1 MB |
| Requires iOS | **15.0** | 26.4 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Beem It](https://appshunter.io/developer/1363864738) | [Riley Dack](https://appshunter.io/developer/1896330876) |

## What reviewers say

### Beem

[App page](https://appshunter.io/ios/app/beem-digital-wallet/id1363864739)

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:** Siri integration, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 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

**What reviewers complain about**

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

**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

**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


### Settle

[App page](https://appshunter.io/ios/app/settle/id6766844768)

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

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Settle Premium | $9.99 | per month |
| Settle Solo Monthly | $19.00 | per month |
| Settle Crew Monthly | $44.99 | per month |
| Settle Business Monthly | $79.99 | per month |
| Settle Premium Yearly | $90.00 | per year |
| Settle Enterprise Monthly | $99.99 | per month |
| Settle Solo Yearly | $190.00 | per year |
| Settle Crew Yearly | $449.99 | per year |
| Settle Business Yearly | $799.99 | per year |
| Settle Enterprise Yearly | $999.99 | per year |


## Frequently asked questions

### Is Beem free?

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

### Is Settle free?

Settle is free to download, with in-app purchases available.

### Do Beem or Settle have ads?

Neither Beem nor Settle shows ads.

### Which is updated more often, Beem or Settle?

Beem ships an update every 2 months, and Settle fortnightly. Most recently, Beem was updated on October 13, 2026 and Settle on September 24, 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.*