# PHP Reimbursement Account vs IOU

The clearest difference is rating: PHP Reimbursement Account at 5.0 against IOU's 4.4. PHP Reimbursement Account also leads on in-app purchases (none vs 5) and iOS requirement (17.0 vs 26.0). IOU's advantage is update cadence (fortnightly vs every 4 months) and ratings volume (18 vs 2). On price, ads and device support there is nothing between them.

Both are free to download. IOU sells 5 in-app purchases, starting at $0.99 per month. PHP Reimbursement Account asks for nothing beyond the download.

PHP Reimbursement Account holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: IOU has 18 ratings behind it against 2, so its average is the more settled of the two.

PHP Reimbursement Account ships an update every 4 months, IOU fortnightly. The most recent releases landed on October 18, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | PHP Reimbursement Account | IOU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/php-reimbursement-account/id1499713348/reviews)** | [4.4 (18 ratings)](https://appshunter.io/ios/app/iou-split-receipts-and-expense/id1589968294/reviews) |
| Number of ratings | 2 | **18** |
| Positive reviews | — | 60.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 months | **Fortnightly** |
| Monetization | **Free** | Freemium |
| Size | 29 MB | 53 MB |
| Requires iOS | **17.0** | 26.0 |
| Devices | iPhone, iPad | **iPhone, iPad, Vision Pro** |
| Age rating | 17+ | 4+ |
| Developer | [PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC](https://appshunter.io/developer/1292567466) | [Eric Agredo](https://appshunter.io/developer/1475112741) |

## What reviewers say

### PHP Reimbursement Account

[App page](https://appshunter.io/ios/app/php-reimbursement-account/id1499713348)

Easily manage your FSA, HRA, and DCAP reimbursement accounts on the go. Check balances, view account details, and submit claims with attached receipts through a secure and intuitive interface.

**Highlights:** Check account balances 24/7, View account details and summaries, Submit claims with receipt photos, Manually submit medical and dependent claims, Store expense information and documentation, Contact customer service via call or email

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

**In-app purchases:** none


### IOU

[App page](https://appshunter.io/ios/app/iou-split-receipts-and-expense/id1589968294)

Effortlessly split bills with friends by scanning receipts. The app itemizes purchases, assigns them to individuals, and calculates each person's total including tip and tax. Avoid manual calculations and ensure fair payment among your group.

**Highlights:** Receipt scanning and itemization, Assign items to individuals, Automatic tax and tip calculation, Per-person total calculation, Eliminates manual bill splitting

**Features:** Family Sharing

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| IOU Pro | $0.99 | per month |
| IOU Pro | $2.99 | per month |
| IOU Pro | $6.99 | per year |
| IOU Pro | $24.99 | per year |
| Lifetime IOU Pro | $29.99 | one-time |


## Frequently asked questions

### Is PHP Reimbursement Account free?

PHP Reimbursement Account is free to download, with no in-app purchases.

### Is IOU free?

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

### Which has better reviews, PHP Reimbursement Account or IOU?

PHP Reimbursement Account is rated higher. PHP Reimbursement Account averages 5.0 out of 5 from 2 ratings, while IOU averages 4.4 from 18 ratings.

### Do PHP Reimbursement Account or IOU have ads?

Neither PHP Reimbursement Account nor IOU shows ads.

### Which is updated more often, PHP Reimbursement Account or IOU?

PHP Reimbursement Account ships an update every 4 months, and IOU fortnightly. Most recently, PHP Reimbursement Account was updated on October 18, 2026 and IOU on October 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.*