# Beem vs Owesum

The clearest difference is review sentiment: Owesum at 100% against Beem's 58%. Owesum also leads on update cadence (every 6 days vs every 2 months) and monetization model (free vs free with in-app purchases). Beem's advantage is ratings volume (154 vs 1). On price, ads, 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 4.7. That said, the two scores are not equally well evidenced: Beem has 154 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 58% of Beem's written reviews are positive against 100% of Owesum's.

Beem ships an update every 2 months, Owesum every 6 days. The most recent releases landed on November 11, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Beem | Owesum |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (154 ratings)](https://appshunter.io/ios/app/beem-digital-wallet/id1363864739/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/owesum/id6804075665/reviews)** |
| Number of ratings | **154** | 1 |
| Positive reviews | 57.6% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 6 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 98 MB | 32 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Beem It](https://appshunter.io/developer/1363864738) | [SIDDHARTH GUPTA](https://appshunter.io/developer/6804075667) |

## 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


### Owesum

[App page](https://appshunter.io/ios/app/owesum/id6804075665)

Effortlessly track shared expenses for trips, house shares, or nights out. This app calculates who owes whom, allowing for flexible splitting by amount, percentage, or equally. It also features receipt scanning and gentle payment reminders.

**Highlights:** Create groups for shared expenses, Add expenses with flexible splitting options, Scan receipts to automatically capture details, View running balances for individuals and groups, Send gentle payment reminders, Maintain a history of all transactions

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

**In-app purchases:** none


## Frequently asked questions

### Is Beem free?

Beem 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, Beem or Owesum?

Owesum is rated higher. Beem averages 4.7 out of 5 from 154 ratings, while Owesum averages 5.0 from 1 ratings.

### Do Beem or Owesum have ads?

Neither Beem nor Owesum shows ads.

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

Beem ships an update every 2 months, and Owesum every 6 days. Most recently, Beem was updated on November 11, 2026 and Owesum on October 31, 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.*