POK vs OweMe

POK is your trusted fintech app for fast, secure, and modern money management. From instant transfers and bill payments to premium digital cards and spending insights, POK empowers you to take full control of your finances anytime, anywhere. Unlock Exclusive Benefits with POK VISA Cards Choose the card that fits your lifestyle: - POK Rewards: Earn points with every transaction and redeem them for exclusive offers like cashbacks. - POK Infinite: Our premium card for high-value users, offering concierge support, advanced security, and VIP privileges. All POK cards are digital-first, available instantly after registration, with no need for physical delivery. Manage your cards directly from the app, set limits, freeze or unfreeze instantly, and track your usage with full transparency. Key Features: - Instant Transfers: Send and receive money in real time, 24/7. - Recurring Payments: Set up automatic transfers for rent, family support, or business needs. - Utility Payments: Pay for car fines, water, internet, and more—without waiting in line. - QR Payments: Scan static QR codes in stores and control the payment amount yourself. - Spending Insights: Visualize and analyze your expenses to stay on top of your budget. - Biometric Login: Access your account safely using fingerprint or face recognition. - Multilingual Support: Available in your preferred language for a smooth experience. POK gives you everything you need to manage your finances smarter, faster, and with zero hassle.

OweMe keeps track of who paid what in your group — trips, flatshares, dinners, holidays — and works out who owes whom in the fewest possible transfers. Settling up is a sentence, not a transaction: OweMe never touches your money, your card or your bank. SPLIT ANY WAY • Equal, exact amounts, percentages or shares • More than one payer on a single expense • Recurring expenses for rent and bills • 156 currencies, each settled on its own • See who paid each expense at a glance SETTLE UP IN THE FEWEST TRANSFERS • Who owes whom, per group and across all your groups • Record a payment in two taps; the other person confirms it • Every change stays on the record, so nobody has to argue from memory MADE FOR GROUPS • Invite friends with a link or a QR code — free on every plan • Notifications when someone adds an expense that involves you • Export any group as CSV, and your whole account as JSON PRIVATE BY DESIGN • No ads, no tracking, no analytics SDKs • Receipts are read on your phone — the photo never leaves it • Delete your account in the app, any time FREE, FOREVER Splitting, balances and settling up are free and always will be. The free plan includes 3 groups, 300 expenses per group, 90 days of browsable history and 3 receipt scans a month. OWEME PREMIUM • Unlimited groups, history and expenses • Offline mode for all your groups • Unlimited receipt scanning, split item by item • Currency conversion on a rate you set • PDF export of any group • Add people who are not on OweMe by name Premium is a monthly or yearly subscription. The yearly plan starts with a 7-day free trial. PREMIUM GROUP Upgrade a single group for 90 days, for everyone in it, with one payment. It brings offline mode, PDF export, unlimited receipt scanning and full history to that group, and it never renews. Payment is charged to your Apple Account at confirmation of purchase. A subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period, and your account is charged for the renewal within the 24 hours before the period ends. You can manage or cancel it in Settings → your name → Subscriptions. Any unused part of a free trial ends when you buy a subscription. Terms of Use: https://owemeapp.com/terms Privacy Policy: https://owemeapp.com/privacy