Comparison

Osmo Money vs OffRisk

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

Head to head
About

Osmo Money

Manage your money globally with fast, simple transfers and a virtual Visa card. Send funds, receive payments, and explore Bitcoin and stablecoins with ease. Securely control your finances from anywhere.

Highlights
  • Global money transfers
  • Virtual Visa card
  • Receive payments globally
  • Bitcoin and stablecoin trading
  • Multi-currency wallets
  • Real-time transaction alerts
Features
Read full description

Osmo: Gasta, envía, invierte y recibe pagos a nivel global Una forma más rápida y simple de mover, gastar y hacer crecer tu dinero. Ya sea que estés enviando fondos a casa, estés de viaje o explorando Bitcoin, Osmo elimina fronteras para que tu dinero trabaje tan duro como tú. Regístrate en minutos. TRANSFERENCIAS LOCALES E INTERNACIONALES Envía dinero a cuentas bancarias en minutos. Olvídate de la espera de las “transferencias wire” y paga como si fueras local: - EE. UU.: Envía transferencias ACH o Wire a cualquier estado (excepto NY). - México: Paga a cualquier cuenta bancaria al instante vía CLABE. - Guatemala: Paga a cualquier cuenta bancaria en USD o GTQ. - El Salvador: Retira fondos directamente a tu cuenta bancaria personal. - Costa Rica: Transfiere vía IBAN, SINPE o Sinpe Móvil (USD/CRC). - Brasil: Envía pagos instantáneos a cualquier número PIX. TARJETA VISA® INTERNACIONAL - Tarjeta virtual gratis: Pídela sin costo y agrégala a Apple Pay al instante. - Aceptación global: Paga en más de 160 países con $0 de cuota mensual. - Conversión inteligente: ¿No tienes la moneda local? Convertimos automáticamente tu saldo al menor costo posible. - Control total: Congela/descongela tu tarjeta y actualiza los datos digitales 24/7. TU HUB GLOBAL PARA COBROS Datos bancarios locales: Obtén tu propia cuenta en EE. UU. (ACH/Wire) y datos locales en mercados compatibles para recibir tu salario o pagos de clientes directamente. Integración con plataformas: Conéctate fácilmente con Amazon, Stripe, PayPal, Deel, Wise, Airbnb y Payoneer.Bolsillos multimoneda: Mantén saldos en múltiples monedas y convierte al instante con tasas competitivas. BITCOIN Y STABLECOINS, ASÍ DE SIMPLE - A la velocidad de Lightning: Envía efectivo o Bitcoin al instante. - Disfruta transferencias gratis por Lightning Network a wallets compatibles. - Fácil para principiantes: Compra Bitcoin de forma segura en pocos toques. - Nosotros manejamos la complejidad por ti—no necesitas ser experto en cripto. SEGURIDAD DE NIVEL EMPRESARIAL - Control total: Define límites de gasto y recibe alertas de transacciones en tiempo real. Protección avanzada: Seguridad con biometría, encriptación y un sistema sofisticado de prevención de fraude que detecta actividad de alto riesgo al instante. Cambia la forma en que manejas tu dinero. ¡Descarga Osmo hoy! La disponibilidad de productos depende de dónde residas. Visita osmomoney.com o descarga la app para ver qué está disponible para ti. Divulgaciones: *Osmo es una empresa de tecnología financiera, no un banco. Los servicios bancarios son proporcionados por los socios bancarios de Osmo. **Las tarjetas de débito Visa® son emitidas por socios emisores autorizados. Aplican términos y condiciones. ***Los servicios de Bitcoin son proporcionados por OSMO El Salvador S.A. de C.V. ****Operar con Bitcoin implica riesgo; podrías perder dinero. Bitcoin no está protegido por el seguro de depósitos. *****Las transferencias en EE. UU. no están disponibles para cuentas bancarias registradas en el estado de Nueva York.

About

OffRisk

Effortlessly track your spending, create budgets, and gain insights into your financial habits. This app uses AI to scan receipts, offers personalized financial education, and provides visual reports to help you manage your money effectively.

Highlights
  • Instant expense and income logging
  • AI-powered receipt scanning
  • Customizable budget limits
  • Visual spending analytics
  • AI financial education assistant
  • Home Screen widget for balance check
Features
Read full description

Take control of your money in minutes. OffRisk shows you where it goes, helps you budget, and warns you before you blow past your limit. ▸ LOG IT IN SECONDS Add expenses and income instantly. Capture Apple Pay purchases, or log one with a double tap on the back of your iPhone (Back Tap) — without ever opening the app. Check your balance straight from a Home Screen widget. ▸ BUDGETS THAT ACTUALLY WORK Set a limit per category and get a heads-up as you get close. Create savings or income goals and watch your progress day by day. ▸ UNDERSTAND YOUR MONEY Visual stats for every month: where you spend the most and how you're trending. Plus a clear projection of how your month is shaping up, explained in plain language. ▸ SCAN AND DONE Snap a photo of a receipt and OffRisk pulls out the amount, category and date for you with AI. ▸ LEARN AS YOU GO An AI financial education assistant answers your questions, runs projections and helps you build better habits. ▸ YOUR PRIVACY FIRST Your receipt photos are never stored — they're processed and discarded instantly. ▸ AND MORE • Automatic recurring payments (rent, subscriptions, paycheck, etc) • Multi-currency support • Export your transactions to CSV • Available in English and Spanish —— OFFRISK PRO —— Unlock recurring transactions, unlimited categories, AI receipt scanning, the AI financial assistant, advanced stats and CSV export. Includes a 7-day free trial. • Monthly or yearly auto-renewing subscription. Start free today and find out where your money is really going. Note: OffRisk provides financial education and organization tools; it does not constitute professional financial advice.

Screenshots

Osmo Money4 screens
OffRisk4 screens

Verdict

The call

The clearest difference is in-app purchases: Osmo Money at none against OffRisk's 2. Osmo Money also leads on ratings volume (195 vs 2) and rating (4.8 vs 4.5). OffRisk's advantage is review sentiment (100% vs 88%). On price, ads 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. OffRisk sells 2 in-app purchases, starting at $2.99 per month. Osmo Money asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Osmo Money holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: Osmo Money has 195 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 88% of Osmo Money's written reviews are positive against 100% of OffRisk's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Osmo Money ships an update every 2 weeks, OffRisk every 5 weeks. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

Scorecard7 real differences · 3 level
Osmo Money versus OffRisk: the parameters behind the verdict, then further details
ParameterOsmo MoneyOffRisk
PriceFreeFree
Rating4.8 (195 ratings) — better4.5 (2 ratings)
Positive reviews88.2% of reviews100.0% of reviews — better
Number of ratings195 — better2
Update frequencyEvery 2 weeks — betterEvery 5 weeks
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better17.0
Further details — not scored
Size128 MB72 MB
Age rating4+4+
DeveloperHodl Group Inc.Leonel Osuna

Customer experience

Osmo Money

All ratings191 ratings
Positive94.8%
Neutral1.0%
Negative4.2%
Written reviews17 reviews
Positive88.2%
Neutral0.0%
Negative11.8%

OffRisk

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Osmo Money

No in-app purchases

2 purchases

OffRisk

Subscriptions2
  • OffRisk Pro — Monthly Plan7 Days trial$2.991 Month
  • OffRisk Pro — Annual Plan7 Days trial$24.991 Year

Questions

Is Osmo Money free?
Osmo Money is free to download, with no in-app purchases.
Is OffRisk free?
OffRisk is free to download, with in-app purchases available.
Which has better reviews, Osmo Money or OffRisk?
Osmo Money is rated higher. Osmo Money averages 4.8 out of 5 from 195 ratings, while OffRisk averages 4.5 from 2 ratings.
Do Osmo Money or OffRisk have ads?
Neither Osmo Money nor OffRisk shows ads.
Which is updated more often, Osmo Money or OffRisk?
Osmo Money ships an update every 2 weeks, and OffRisk every 5 weeks. Most recently, Osmo Money was updated on October 25, 2026 and OffRisk on October 24, 2026.

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