# FMB vs Owesum

The clearest difference is ads: FMB at none against Owesum's shown. FMB also leads on ratings volume (2K vs 9) and monetization model (free vs ad-supported). Owesum's advantage is update cadence (every 11 days vs every 5 months) and rating (5.0 vs 4.7). On price, review sentiment, 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: FMB has 2K ratings behind it against 9, so its average is the more settled of the two. Written reviews point the same way: 93% of FMB's written reviews are positive against 100% of Owesum's.

FMB ships an update every 5 months, Owesum every 11 days. The most recent releases landed on November 6, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | FMB | Owesum |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (2K ratings)](https://appshunter.io/ios/app/fmb-mobile-20/id1461710427/reviews) | **[5.0 (9 ratings)](https://appshunter.io/ios/app/owesum/id6779908100/reviews)** |
| Number of ratings | **2K** | 9 |
| Positive reviews | 93.2% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 5 months | **Every 11 days** |
| Monetization | **Free** | Ad-supported |
| Size | 31 MB | 71 MB |
| Requires iOS | **16.0** | 16.4 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Farmers and Merchants Bank of Long Beach](https://appshunter.io/developer/573354411) | [Soo Hyung Lee](https://appshunter.io/developer/6779908102) |

## What reviewers say

### FMB

[App page](https://appshunter.io/ios/app/fmb-mobile-20/id1461710427)

Manage your personal and business banking accounts securely 24/7. Features include real-time activity viewing, fund transfers, bill payments, mobile check deposits, and advanced business management tools. Customize alerts and access credit score information.

**Highlights:** View real-time account activity, Transfer funds and pay bills, Mobile check deposit, Send money with Zelle®, Access credit score, Business account management, Customizable alerts

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Efficient banking features
- 🔒 Secure app
- 💡 Convenient mobile check deposit
- 👍 User-friendly interface

**What reviewers complain about**

- 🐛 Occasional app crashes
- 🐛 Difficulty finding accounts for transfers
- 🐛 Delayed credit card payment updates
- 🐛 Inconsistent mobile check deposit functionality

**Reported bugs**

- Login screen freezes
- Incompatibility issues with older devices

**Requested features**

- Add two-factor authentication
- Expand transaction history and net worth tracking
- Improve bill pay functionality and usability


### Owesum

[App page](https://appshunter.io/ios/app/owesum/id6779908100)

Easily calculate tips and split bills with friends. Scan receipts or enter details manually to see service fees and gratuity upfront. Split the total evenly, with each person's share rounded to the cent.

**Highlights:** Tip on pre-tax subtotal, Detect service fees and gratuity, Split bills evenly, Scan receipts with on-device OCR, Manual bill entry, Offline functionality, Bill history

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

**In-app purchases:** none


## Frequently asked questions

### Is FMB free?

FMB 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, FMB or Owesum?

Owesum is rated higher. FMB averages 4.7 out of 5 from 2K ratings, while Owesum averages 5.0 from 9 ratings.

### Do FMB or Owesum have ads?

Owesum shows ads; FMB does not.

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

FMB ships an update every 5 months, and Owesum every 11 days. Most recently, FMB was updated on November 6, 2026 and Owesum on November 5, 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.*