Comparison

Onze vs Divvy Bills

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

Head to head
About

Onze

This app offers a digital platform for private pension planning and investment management. It combines technology with expert investment strategies to help users save and invest for their future, eliminating bureaucracy and offering specialized financial guidance.

Highlights
  • Digital private pension plan enrollment
  • Manage contributions
  • Track investment performance
  • Assistance with tax declarations
  • Specialized investment management
  • 100% digital experience
Features
Read full description

A Onze é uma PrevTech especializada em Previdência Privada. Combinamos tecnologia com gestão de investimentos para criar uma experiência única de investimentos e gestão para o futuro. Somos independentes e não estamos atrelados a qualquer banco. Nosso maior objetivo é tirar o brasileiro da inércia e ajudá-lo a se preparar melhor para o futuro. Para isso, oferecemos gestão especializada do seu dinheiro por meio de fundos próprios, sem taxas abusivas, cuidado com a sua saúde financeira e atendimento especializado para você poupar mais e investir melhor. Tudo isso de maneira 100% digital - sem papelada. Segurança em 1º lugar A Onze é uma gestora certificada e regulada pela CVM (Comissão de Valores Imobiliários) e aderente ao código de melhores práticas da Anbima (Associação Brasileira das Entidades dos Mercados Financeiro e de Capitais). Além disso, trabalhamos junto a instituições de grande solidez no mercado brasileiro e mundial, como é o caso da seguradora Zurich (que viabiliza os Planos de Previdência em si) e do Itaú (responsável pela administração dos fundos – por meio da Intrag – e pela custódia dos recursos). Gestão própria e especializada Contamos com especialistas em gestão de investimentos que buscam as melhores estratégias de investimento para retorno no médio e longo prazo, em linha com seus objetivos. Nossos fundos seguem metodologia de diversificação entre classes de ativos e utilização de instrumentos de baixo custo para podermos maximizar o retorno e reduzir as taxas – que, na Onze, são até 50% menores que as praticadas no mercado. Tecnologia que faz a diferença Nossa plataforma tem um único objetivo: eliminar a burocracia comum do mercado de previdência privada. Com o aplicativo da Onze você: • Faz adesão a um plano de Previdência de forma totalmente digital, levando em conta a sua situação específica • Gerencia suas contribuições (esporádicas e regulares) de forma fácil • Acompanha o rendimento de seu investimento de forma atualizada • Tem auxílio no IR e ajuda para a declaração • Tem atendimento via chat A comercialização dos produtos é realizada pela Sematic Corretora de Seguros Ltda.

About

Divvy Bills

Effortlessly manage shared expenses with friends and roommates. This app simplifies group finances by allowing easy expense tracking, automatic fair balancing, and offline functionality. Keep your group accounts accurate and your friendships strong.

Highlights
  • Create and manage groups
  • Add expenses quickly
  • Automatic fair balancing
  • Offline expense tracking
  • Biometric security lock
Features
Read full description

Tired of the hassle when splitting bills with friends, roommates, or on trips? Racha Conta is here to end financial stress and complicated spreadsheets! It’s the simplest, fastest, and fairest way to organize group expenses. With Racha Conta, you can relax and enjoy the moment, because we handle the math. See how easy it is: KEY FEATURES: CREATE GROUPS EASILY For every situation, a group: holiday trips, monthly expenses, weekend BBQs, or birthday gifts. Invite friends and keep everything organized in one place. ADD EXPENSES IN SECONDS Quickly note who paid, what it was for, and how much it cost. With a clean interface, you won't waste time and ensure no expense is forgotten. AUTOMATIC & FAIR BALANCING No more calculators! The app instantly shows the group balance: who owes whom and the exact amount. Total transparency so no one gets shortchanged. WORKS OFFLINE No internet? No problem! Add expenses even offline, like during a flight or in a spot with no signal. Racha Conta syncs everything as soon as you reconnect. SECURITY FIRST Protect access to your app with an extra layer of security. Enable Biometric lock (Face ID or Touch ID) and keep your financial data safe. PERFECT FOR: • Splitting rent and household bills. • Organizing group trip expenses. • Splitting the bill at the bar, dinner, or after a game. • Joint birthday gifts. • Any situation where money is shared! Our goal is to keep accounts right and friendships long. Download Racha Conta and say goodbye to the headache of splitting costs!

Screenshots

Onze4 screens
Divvy Bills4 screens

Verdict

The call

Onze and Divvy Bills both sit at 1.0 stars, but that hides the real split: 50% of Divvy Bills's written reviews are positive against 0% of Onze's. Divvy Bills also leads on update cadence (fortnightly vs every 6 weeks). Onze's advantage is in-app purchases (none vs 1) and ads (none vs shown). On price, rating, ratings volume and device support there is nothing between them.

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Divvy Bills sells 1 one-off in-app purchase. Onze asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 1.0 for Onze against 1.0 for Divvy Bills. Both are backed by a comparable volume of ratings — 1 and 1 respectively. Written reviews are what separate them: 0% of Onze's written reviews are positive against 50% of Divvy Bills's.

UpkeepUpdate frequency

Onze ships an update every 6 weeks, Divvy Bills fortnightly. The most recent releases landed on August 8, 2026 and September 12, 2026 respectively.

Scorecard5 real differences · 5 level
Onze versus Divvy Bills: the parameters behind the verdict, then further details
ParameterOnzeDivvy Bills
PriceFreeFree
Rating1.0 (1 ratings)1.0 (1 ratings)
Positive reviews0.0% of reviews50.0% of reviews — better
Number of ratings11
Update frequencyEvery 6 weeksFortnightly — better
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 — better16.4
Further details — not scored
Size29 MB93 MB
Age rating4+4+
DeveloperOnze Gestora de Investimentos Ltda.Giovanne Faccio Tarcitano

Customer experience

Onze

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Divvy Bills

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

Onze

No in-app purchases

1 purchases

Divvy Bills

One-time1
  • Remove Ads$3.99

Questions

Is Onze free?
Onze is free to download, with no in-app purchases.
Is Divvy Bills free?
Divvy Bills is free to download, with in-app purchases available.
Which has better reviews, Onze or Divvy Bills?
Onze and Divvy Bills are both rated 1.0 out of 5 on the App Store, from 1 and 1 ratings respectively.
Do Onze or Divvy Bills have ads?
Divvy Bills shows ads; Onze does not.
Which is updated more often, Onze or Divvy Bills?
Onze ships an update every 6 weeks, and Divvy Bills fortnightly. Most recently, Onze was updated on August 8, 2026 and Divvy Bills on September 12, 2026.

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