# Vive Financial vs Owesum

The clearest difference is review sentiment: Owesum at 100% against Vive Financial's 8%. Owesum also leads on rating (5.0 vs 2.8) and update cadence (every 11 days vs every 2 months). Vive Financial's advantage is ratings volume (39 vs 9) and device support (3 vs 1). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Owesum holds the better App Store score, 5.0 against 2.8. Both are backed by a comparable volume of ratings — 39 and 9 respectively. Written reviews point the same way: 8% of Vive Financial's written reviews are positive against 100% of Owesum's.

Vive Financial ships an update every 2 months, Owesum every 11 days. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Vive Financial | Owesum |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.8 (39 ratings)](https://appshunter.io/ios/app/vive-financial/id1610794534/reviews) | **[5.0 (9 ratings)](https://appshunter.io/ios/app/owesum/id6779908100/reviews)** |
| Number of ratings | **39** | 9 |
| Positive reviews | 8.3% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 2 months | **Every 11 days** |
| Monetization | Ad-supported | Ad-supported |
| Size | 28 MB | 71 MB |
| Requires iOS | **12.0** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Vive Financial LLC](https://appshunter.io/developer/1610794926) | [Soo Hyung Lee](https://appshunter.io/developer/6779908102) |

## What reviewers say

### Vive Financial

[App page](https://appshunter.io/ios/app/vive-financial/id1610794534)

Manage your Vive Financial account on the go with this mobile app. Easily view your balance, make payments, set up automatic payments, and review your transaction history. It simplifies cardholder management with quick access to important account details.

**Highlights:** Sign up for eStatements, Check card balance, Make payments, Set up automatic payments, View available credit, Review payment activity, Update profile

**Features:** macOS Compatibility

**In-app purchases:** none


### Owesum

[App page](https://appshunter.io/ios/app/owesum/id6779908100)

Easily calculate tips and split bills with friends. Scan receipts or enter details manually to see service fees and gratuity upfront. Split the total evenly, with each person's share rounded to the cent.

**Highlights:** Tip on pre-tax subtotal, Detect service fees and gratuity, Split bills evenly, Scan receipts with on-device OCR, Manual bill entry, Offline functionality, Bill history

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Vive Financial free?

Vive Financial is free to download, with no in-app purchases.

### Is Owesum free?

Owesum is free to download, with no in-app purchases.

### Which has better reviews, Vive Financial or Owesum?

Owesum is rated higher. Vive Financial averages 2.8 out of 5 from 39 ratings, while Owesum averages 5.0 from 9 ratings.

### Do Vive Financial or Owesum have ads?

Both Vive Financial and Owesum show ads.

### Which is updated more often, Vive Financial or Owesum?

Vive Financial ships an update every 2 months, and Owesum every 11 days. Most recently, Vive Financial was updated on November 3, 2026 and Owesum on November 5, 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.*