Comparison

VirtueCM vs Owed

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

Head to head
About

VirtueCM

Features
Read full description

This Mobile App allows you to view account information, balances and easily contact your advisor.

About

Owed

Features
Read full description

Companies settle class-action lawsuits constantly — over data breaches, hidden fees, mislabeled products, defective cars, and privacy violations. Billions are set aside for consumers, but most of that money is never claimed, simply because nobody knows they're eligible. Owed fixes that. WHAT YOU GET • A hand-curated list of open US class-action settlements — no noise, no expired claims • Plain-English answers for every settlement: who qualifies, what it pays, what proof you need, and how to file • Many settlements require no receipts at all — if you qualify, filing takes about two minutes • Direct links to the official court-appointed claim administrator's website — you file there, safely and directly • Deadline alarms: track a settlement and get warned 7 days and 1 day before its claim window closes • My Claims: see everything you're tracking and your total potential recovery • Filing method shown for every settlement: online form, mail-in PDF, or both • iCloud sync across your iPhone, iPad, and Mac ALWAYS CURRENT Every settlement is verified against the official settlement website — eligibility, payout terms, and deadline. The list refreshes automatically over the air: new settlements appear and expired ones move out without waiting for an app update. FREE TO TRY The three settlements closing soonest are always free, complete with claim links. Owed Pro ($19.99/year) unlocks the full list, category and no-proof filters, and deadline alarms. One successful claim typically pays for years of the subscription. Subscriptions auto-renew until cancelled in your App Store settings. THE HONEST FINE PRINT Owed is an information service, not a law firm. We never file claims for you, take no cut of your payouts, and provide no legal advice. Payout figures are estimates from public settlement documents; always verify details on the official settlement website before filing. Only file claims you genuinely qualify for. Terms of Use: https://symphonicgrow.com/apps/owed/terms Privacy Policy: https://symphonicgrow.com/apps/owed/privacy

Screenshots

VirtueCM4 screens
Owed4 screens

Verdict

The call

The clearest difference is update cadence: Owed at every 6 weeks against VirtueCM's every 6 months. VirtueCM's advantage is iOS requirement (15.6 vs 17.0). On price, ads, in-app purchases and device support there is nothing between them.

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

CostPrice Ā· In-app purchases Ā· Ads Ā· Monetization

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

UpkeepUpdate frequency

VirtueCM ships an update every 6 months, Owed every 6 weeks. The most recent releases landed on October 2, 2026 and October 31, 2026 respectively.

Scorecard2 real differences Ā· 4 level
VirtueCM versus Owed: the parameters behind the verdict, then further details
ParameterVirtueCMOwed
PriceFreeFree
Update frequencyEvery 6 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.6 — better17.0
Further details — not scored
Size62 MB2 MB
Age rating4+4+
DeveloperVirtue Capital Management, LLCRaj Kumar

In-app purchases

None

VirtueCM

No in-app purchases

None

Owed

No in-app purchases

Questions

Is VirtueCM free?
VirtueCM is free to download, with no in-app purchases.
Is Owed free?
Owed is free to download, with no in-app purchases.
Do VirtueCM or Owed have ads?
Neither VirtueCM nor Owed shows ads.
Which is updated more often, VirtueCM or Owed?
VirtueCM ships an update every 6 months, and Owed every 6 weeks. Most recently, VirtueCM was updated on October 2, 2026 and Owed on October 31, 2026.

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