MoneyMobile vs IOU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MoneyMobile
This app offers a visually engaging and convenient way to manage all your financial accounts in one place. It automatically categorizes transactions, helps you create budgets with unique visualizations, and provides insightful reports to understand your finances better.
- Consolidate all financial accounts
- Automatic transaction categorization
- Patent-pending Bubble Budgets
- Insightful reports and visualizations
- View account balances
- Manage investments and retirement accounts
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MoneyMobile is a powerful and engaging financial mobile app that will change the way you feel about financial management. MoneyMobile’s award winning design makes managing money not only easier and more convenient - but a lot more enjoyable and exciting as well. Not only will you be able to see all your financial data in one place, you will be able to visualize that data in meaningful and engaging ways on your mobile device. Accolades • Finovate Fall 2014 Best of Show • CUNA Tech 2014 Best of Show • Finovate Fall 2013 Best of Show • Finovate Spring 2013 Best of Show • Finovate Fall 2012 Best of Show • Finovate Spring 2012 Best of Show • AIGA 100 Show 2012 Award of Merit Winner • CUNA ACUC Conference 2011 Best of Show With MoneyMobile you can: • Manage all your financial accounts in one place (checking, savings, credit cards, investments, and retirement) • Check all of your account balances • Have your transactions automatically categorized and organized • Create budgets in a new and meaningful way with MoneyMobile’s patent pending Bubble Budgets • View insightful reports & visualizations • Reach out and touch your finances
IOU
Effortlessly split bills, track shared expenses, and manage group finances. This app simplifies tracking who owes what, organizing costs by group, and sending payment reminders. Perfect for roommates, friends, and families to avoid awkward money conversations.
- Smart bill splitting
- Receipt scanning
- Expense tracking
- Group management
- Payment reminders
- Real-time sync
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The ultimate app for splitting bills, tracking shared expenses, and managing group finances with friends, roommates, and family. Key Features: Smart Bill Splitting - Easily split bills between multiple people Receipt Scanner - Automatically extract expense details from photos Expense Tracking - Keep track of who owes what Group Management - Organize expenses by groups or events Payment Reminders - Never forget to collect what you're owed Real-time Sync - All group members stay updated instantly Perfect for: Roommates sharing rent and utilities Friends splitting dinner bills and trips Couples managing household expenses Group events and celebrations Business expense sharing Travel cost splitting Why IOU? Stop the "I'll pay you back later" conversations. IOU makes it simple to track, split, and settle expenses with anyone. No more forgotten debts or awkward money conversations. Download IOU today and make splitting bills effortless! Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is in-app purchases: MoneyMobile at none against IOU's 2. MoneyMobile also leads on ratings volume (405 vs 1) and iOS requirement (13.0 vs 15.1). IOU's advantage is review sentiment (100% vs 82%) and rating (5.0 vs 4.8). 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
Both are free to download. IOU sells 2 in-app purchases, starting at $2.99 per month. MoneyMobile asks for nothing beyond the download.
IOU holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: MoneyMobile has 405 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 82% of MoneyMobile's written reviews are positive against 100% of IOU's.
| Parameter | MoneyMobile | IOU |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (405 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 81.8% of reviews | 100.0% of reviews — better |
| Number of ratings | 405 — better | 1 |
| Update frequency | Every 3 months | — |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 78 MB | 66 MB |
| Age rating | 4+ | 4+ |
| Developer | MX TECHNOLOGIES, INC. | kai Lee |
Customer experience
MoneyMobile
IOU
Bugs and requests
MoneyMobile
Reported bugs
12 issues- Constant logout requiring re-authentication with access codes
- Accounts fail to sync or update automatically
- App force closes when viewing specific transactions
- Security settings reset after updates
- Transaction history and budget data erased after updates
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- Passcode only works for a couple hours
- TouchID crashes the app
- Sync errors with certain accounts
- Checks display incorrectly without payee information
- Zero balance loans not recognized after payoff
- Delayed transaction updates (2-3 days behind)
- Account connections drop regularly
Requested features
13 requests- Future bills tracking section
- Cash flow forecasting and projection
- Debt planning and goal management tools
- Receipt attachment capability
- Real property and asset value tracking
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- Pending charges visibility
- Calendar for scheduled payments and transfers
- Transaction history and paycheck tracking
- Spreadsheet export functionality
- Annual, bi-annual, and quarterly payment options
- Additional tax-related expense categories
- Phone notification options instead of email only
- Ability to exclude transactions from budget
IOU
Not enough reviews yet to summarise bugs or requests.
In-app purchases
MoneyMobile
No in-app purchases
IOU
- Unlimited monthly access$2.991 Month
- Unlimited annual access$19.991 Year









