# Osmo Money vs OffRisk

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.

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.

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.

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.

## The numbers

| Metric | Osmo Money | OffRisk |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (195 ratings)](https://appshunter.io/ios/app/osmo-money/id1610776134/reviews)** | [4.5 (2 ratings)](https://appshunter.io/ios/app/offrisk-expense-tracker/id6791018595/reviews) |
| Number of ratings | **195** | 2 |
| Positive reviews | 88.2% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 5 weeks |
| Monetization | **Free** | Freemium |
| Size | 128 MB | 72 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Hodl Group Inc.](https://appshunter.io/developer/1610776136) | [Leonel Osuna](https://appshunter.io/developer/1868258573) |

## What reviewers say

### Osmo Money

[App page](https://appshunter.io/ios/app/osmo-money/id1610776134)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### OffRisk

[App page](https://appshunter.io/ios/app/offrisk-expense-tracker/id6791018595)

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:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| OffRisk Pro — Monthly Plan | $2.99 | per month |
| OffRisk Pro — Annual Plan | $24.99 | per year |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*