Comparison

MODO vs Cuanto te debo

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

Head to head
About

MODO

Simplify your daily life by connecting bank accounts and cards. Pay with QR or contactless, discover instant benefits and discounts, and access various services like recharges and gift cards. Transfer money easily to contacts without needing their bank details.

Highlights
  • Connect bank accounts and cards
  • QR and contactless payments
  • Discover instant discounts and benefits
  • Recharge services (SUBE, mobile, etc.)
  • Send money to contacts without CBU/alias
  • View all account balances
Read full description

MODO es la app que simplifica tu día a día: conectá tus cuentas y tarjetas bancarias, elegí cómo pagar y aprovechá beneficios al instante. ¿Qué podés hacer con MODO? - Pagá Usá QR o contactless en comercios físicos, tiendas online y transporte. - Aprovechá beneficios Explorá la sección de Promos y descubrí descuentos de tus bancos, tarjetas y comercios: – Al pagar, te mostramos qué medio tiene promo – ¡Disfrutá reintegros super rápidos! - MODO + Aprovechá productos y servicios para tu día a día: – Recargá SUBE, celular, DIRECTV y Telecentro – Regalá gift cards de PlayStation – Contratá Sony One y Pax Assistance – Comprá pasajes con Plataforma 10 – Doná a organizaciones solidarias - Transferí Transferí directo al banco de tus contactos del celular, ¡sin pedir CBU ni alias! También podés enviar dinero a una cuenta propia. - ¡Y más! Asociá tus cuentas y tarjetas bancarias en una sola app. Podés consultar todos tus saldos en vivo. - Tené en cuenta: – Para pagar con MODO, usás las cuentas y tarjetas de tus bancos. Conocé los bancos adheridos: www.modo.com.ar/bancos – MODO es gratis, no cobramos comisiones por tus transacciones. – Tu seguridad es nuestra prioridad. Nunca te vamos a pedir dinero ni datos confidenciales. - Tus bancos en MODO: – Banco Nación - Santander - Galicia - BBVA - Macro - Patagonia - Credicoop - ICBC - Supervielle - BANCOR - Sanco Santa Fe - Ciudad - Hipotecario - Banco Entre Rios - Banco Corrientes - Banco San Juan - BPN - Banco Santa Cruz - Brubank - Naranja X - Banco Piano - Banco Columbia - Comafi - Buepp - YOY - Banco del Sol - Banco Meridian - Banco Bica - Municipal de Rosario - Reba - Banco Roela - BSE - Banco del Chubut - Banco Dino - Mariva - Banco Coinag Más información en modo.com.ar Dirección: Av. del Libertador 7208, Piso 3, Oficina 3.1., C.A.B.A.

About

Cuanto te debo

Features
Read full description

Cuanto te debo: Clear expenses, more time for friends Experience the easiest way to manage shared costs. With Cuanto te debo, transparency and simplicity take center stage during your gatherings. Forget the complications and ensure the focus remains on enjoying the moment, whether it’s a BBQ, a trip, or a shared dinner. Total freedom from the first second We believe in apps that flow with you, which is why we’ve removed all barriers: Start instantly: You don’t need to create an account or fill out forms to begin splitting expenses. Your friends choose: By sharing a link, they can view everything from a responsive web page without needing to download the app. Comfort for everyone involved. Tools designed for your peace of mind Because every group is different, we give you intuitive and total control: Accurate splitting: Did someone skip a specific part of the expense? Exclude individuals from certain items with a single tap, ensuring everyone pays their fair share. Reports at your fingertips: Generate and share clean, professional PDF files so information is always clear and accessible. Stay in control: Visualize who owes whom with simple and friendly charts. Gentle reminders: A quick tap to notify a distracted friend that their share is pending. Always with you: The app works perfectly offline, so nothing stops you even when you’re traveling or off the grid. A simple task made effortless Keeping track of what you give and receive is now a light and satisfying experience. Cuanto te debo handles the numbers so you can focus on creating memories. Join a simpler way to share. Download it today! https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ https://www.cuantotedebo.com.ar/privacy-policy

Screenshots

MODO4 screens
Cuanto te debo4 screens

Verdict

The call

The clearest difference is in-app purchases: MODO at none against Cuanto te debo's 5. Cuanto te debo's advantage is ads (none vs shown) and device support (3 vs 1). On price, update cadence and iOS requirement 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. Cuanto te debo sells 5 in-app purchases, starting at $9.99 per month. MODO asks for nothing beyond the download.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on October 24, 2026 and October 17, 2026 respectively.

Scorecard3 real differences · 7 level
MODO versus Cuanto te debo: the parameters behind the verdict, then further details
ParameterMODOCuanto te debo
PriceFreeFree
Rating4.8 (1.3K ratings) — better—
Positive reviews27.9% of reviews—
Number of ratings1.3K — better—
Update frequencyWeeklyWeekly
AdsYesNo — better
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.015.1 — better
Further details — not scored
Size206 MB53 MB
Age rating12+4+
DeveloperPlay Digital SAEMILIO DAMIAN LUCAS GUARDADO

Bugs and requests

MODO

Reported bugs

3 issues
  • Login and registration failures
  • Inability to transfer funds or make payments
  • Glitches with QR code scanning

Requested features

3 requests
  • Add NFC payment support
  • Improve notification settings
  • Streamline account management and linking

Cuanto te debo

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

MODO

No in-app purchases

5 purchases

Cuanto te debo

Subscriptions2
  • Monthly Premium plan$9.991 Month
  • Yearly Premium plan$79.991 Year
One-time3
  • Small tip$0.99
  • Project support$2.99
  • Super supporter$5.99

Questions

Is MODO free?
MODO is free to download, with no in-app purchases.
Is Cuanto te debo free?
Cuanto te debo is free to download, with in-app purchases available.
Do MODO or Cuanto te debo have ads?
MODO shows ads; Cuanto te debo does not.
Which is updated more often, MODO or Cuanto te debo?
MODO ships an update weekly, and Cuanto te debo weekly. Most recently, MODO was updated on October 24, 2026 and Cuanto te debo on October 17, 2026.

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