AmOnline vs Sova

AmOnline is the only mobile banking app you need to manage your finances and everyday banking conveniently. With strong focus on security, your money is safe with us. -- Banking with AmOnline QUICK BALANCE Discreetly check your balance anytime, anywhere. SEARCH ASSISTANT Search for the features you need. QUICK ACTIONS Transfer money, pay bills, AmSecure Authorisation and more at your fingertips. DUITNOW Use DuitNow as a convenient way to send, request, and receive money instantly via any DuitNow ID. APPLY FOR SERVICES Apply for new products easily, whether you want to save, invest, borrow or insure/protect on the new AmOnline. -- More than Banking BONUSLINK Link your BonusLink membership to AmOnline. Convert your BonusLink Points to cash instantly. ASNB Link your ASNB account to AmOnline so you can purchase, top up and keep track of your ASNB funds. TABUNG HAJI Plan your Hajj with ease by linking your Tabung Haji account to AmOnline. Track your savings progress and Hajj status. -- Better Security AMSECURE & DEVICE BINDING We keep your money safe and ensure only you can approve transactions from a single device. COOLING-OFF PERIOD A 12-hour cooling-off period applies when you log in for the first time on a new device. KILL SWITCH Suspect fraud? Instantly suspend your AmOnline and AmBank cards.

Sova is a personal budget app and a shared-expense app in one. Your own money stays on your device; only the groups you share go to the cloud. Two apps in one Most budget apps can't split a dinner. Most bill-splitting apps have no idea what your balance is. Sova does both, so the numbers finally meet in one place — no spreadsheet in between. See all your money at a glance Accounts for cash, bank, cards and savings in any currency, converted into your base currency. The home screen shows your total balance, this month's income and expenses, and exactly what's safe to spend. Split expenses with anyone Create groups for trips, flatmates and events. Split equally, by exact amounts, by percentage or by shares. Sova tracks who owes whom and keeps one shared history everyone can see. Settle up in the fewest payments Four expenses split three ways leave eight little debts. Sova reduces them to two payments, tells you it did, and records each one as it is paid — so the balances actually reach zero. Understand where it goes Spending by category, cashflow over time, net worth, and a heatmap that shows which days cost you the most. Budgets that keep you honest Monthly budgets with optional rollover and a live safe-to-spend number, so you know what is really left before payday. Reach every savings goal Emergency fund, holiday, new car — set a target and Sova tells you the monthly amount that gets you there on time. Never miss a bill Add recurring bills and subscriptions once and Sova reminds you before each due date. Private by design Your personal ledger lives on your device. No bank logins, ever. Lock the app with a PIN or Face ID, and export a full backup or a CSV whenever you like. Sova Pro Free covers the whole personal side: unlimited accounts, transactions, budgets, savings goals, recurring bills and reports. Pro adds shared groups, JSON backup and CSV export. Monthly, 3-month and annual plans. Light and dark, with tabular numbers that line up. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://sova.kodmap.co/en/privacy