Onsi vs Kitty

Onsi gives you access to a range of features designed to help you manage your money, protect yourself, and feel supported. What you have access to depends on the company you work with. The features you have access to may include: —Earnings and financial support— Need your money before payday? Onsi lets you access a portion of your earnings when you need them - no more waiting, no more stress. —Cover and peace of mind— Easily check your cover, submit claims, and track them directly through the app. Get financial support when you need it most. —Savings— Make your money go further with exclusive discounts on fuel, food, tech, and more. Onsi helps you save on everyday essentials from trusted high street brands. —Health & wellbeing support— Access a range of health and wellbeing services designed to support your life, both inside and outside of work. Onsi is a UK and EU insurance intermediary. Onsi is a trading name of Collective Society Ltd, Collective Denmark ApS (Onsi Denmark ApS) and Collective Netherlands B.V., who are authorised and regulated by the UK Financial Conduct Authority (No. 923788), the Danish Financial Services Authority (No. 42352985), and the Netherlands Authority for Financial Markets (No. 12049041), respectively. You can check this by visiting the UK Financial Services Register, the Danish Financial Services Register, and the Netherlands Financial Services Register. Copyright © 2025 Collective Society Ltd, All rights reserved. Registered address: 101 New Cavendish Street, 1st Floor South, London, United Kingdom, W1W 6XH

Kitty keeps track of shared money between friends, so nobody has to do the maths or remember who paid. Start a group for a trip, a flat or a dinner, or a one-to-one ledger with a friend. Add what was spent and who paid, and Kitty works out who owes whom. ADD PEOPLE BY NAME No waiting for everyone to install an app. Add friends by name and start recording straight away. Send them an invite link whenever you like, and everything already recorded against their name is waiting for them. SPLIT IT ANY WAY Split equally, by exact amounts, by percentage or by shares. Shares suit uneven splits, like two people in a room and one on the sofa. For a quick one-to-one, just tap I paid, They paid or Split 50/50. FEWER PAYMENTS TO SETTLE Kitty simplifies the debts in a group, so a circle of people owing each other becomes the fewest payments that clear it. Mark a debt as settled once it is paid. YOUR OWN SPENDING, PRIVATELY The Mine tab tracks what you spend on your own. It is private to you and never shown in any group. BUILT TO BE FAIR - Free, with no ads and no paywall on anything that decides who owes what - Balances in 13 currencies, each group in its own currency - Expenses cannot be quietly edited, so the history stays honest - Start instantly as a guest, then save your account with Apple or Google - Delete your account and data from inside the app at any time Kitty never holds or moves your money. It records what you tell it, and you settle up however you normally pay.