Apoyo Financiero Mobile vs ATM Split

Now you can make payments, check your balance and payment history. Manage your account from anywhere at any time! To enroll you must be a client of Apoyo Financiero. Simply download the free app to your device. Actual If you are an Apoyo Financiero customer, download the App and complete the activation from your cell phone. © 2025, Apoyo Financiero, Inc.

ATM Split is the bill-splitting app built for travelers, roommates, and friends who need a fast, private way to track shared expenses — no account required, no cloud dependency, and with full Arabic support from day one. Unlike other splitting apps that require sign-ups, cloud accounts, or internet access to function, ATM Split works entirely offline. Your data lives on your device, protected by iOS security, with nothing sent to external servers. Create a group, add members, log expenses, and see who owes what — all in under a minute. What makes ATM Split different: - Full Arabic & RTL support — the only bill-splitting app with native Arabic localization, Arabic-Indic numerals, and proper right-to-left layout. Even all 45 expense categories now read in Arabic. Built for the GCC and MENA markets, not just translated. - Offline-first with multi-currency — track expenses in 57 currencies with live exchange rates when online, and bundled seed rates when offline. Every expense is converted through the rate captured when you logged it, so a mixed-currency trip settles up correctly in your group's base currency. Perfect for international travel where Wi-Fi is unreliable. - Smart debt simplification — a greedy min-cash-flow algorithm reduces the number of payments needed to settle up. A group of 10 people might only need 9 transfers instead of dozens. - Edit anything, note everything — tap any expense to change its title, amount, currency, date, category, payer, or participants, and add a note that shows right on the expense. Fix a mistake without deleting and re-entering. - 45 expense categories — from groceries and dining to transportation and utilities, organized into 7 intuitive groups, each fully localized in Arabic. - CSV data export — share your full expense history as a spreadsheet with a single tap, now with base-currency amounts and notes so a mixed-currency group is fully reconcilable. - No account, no tracking, no ads — ATM Split respects your privacy. No email required, no social login, no analytics SDK. Just open the app and start splitting. - Beautiful dark mode and accent colors — customize the look with 10 accent colors and System/Light/Dark themes. Built with SwiftUI and SwiftData for a native iOS experience. Built by Approve The Move — genuinely useful apps, always free, no subscriptions.