Beam vs Onyx Financial
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Beam
This app offers personalized deals and dollar rewards from local stores. Merchants can create targeted marketing campaigns to connect with specific customer profiles. It aims to help customers save money, businesses increase profits, and reduce waste.
- Personalized offers from stores
- Earn rewards in dollars
- Merchant campaign creation
- Targeted offers to user profiles
- Pay with your phone
- 10% back on every spend
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Beam is an innovative payments and marketing app and platform built for the 21st century. Beam allows users to access personalised offers from stores and earn rewards in dollars! For merchants, we’ve created a platform that turns payments into conversations; Beam allows merchants to create campaigns for specific user profiles, allowing merchants to match their offers with the right customer. Customers save money, businesses profit, and waste is a thing of the past. How Pay with your phone, get 10% back, on every spend, anywhere. Why → It’s easy Download the app for free and go. → It’s different 10% back on every spend. Always. → It’s BS-free Rewards in dollars, not inflated points. What you see is what you get. Note: Beam is currently available in Sydney, Australia and Lisbon, Portugal, and is no longer available in the UAE and Sweden. Continued use of GPS running in the background can dramatically decrease battery life.
Onyx Financial
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This Mobile App allows you to view your account information, balances and easily collaborate with your advisor.
Screenshots
Verdict
Beam and Onyx Financial are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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. Neither carries in-app purchases, so what you see is what you pay.
Beam ships an update every 4 months, Onyx Financial every 5 months. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | Beam | Onyx Financial |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (807 ratings) — better | — |
| Positive reviews | 46.9% of reviews | — |
| Number of ratings | 807 — better | — |
| Update frequency | Every 4 months — better | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 13.4 |
| Further details — not scored | ||
| Size | 57 MB | 38 MB |
| Age rating | 4+ | 4+ |
| Developer | GBC S.A. | Onyx Financial Advisors, LLC |
Bugs and requests
Beam
Reported bugs
4 issues- App crashes on launch or during use
- Payment transactions fail or get stuck
- Account verification and card linking issues
- Rewards and credits not properly tracked or applied
Requested features
5 requests- Expand merchant network and availability
- Improve payment reliability and speed
- Provide better customer support channels
- Add Apple Watch support
- Introduce more rewards and discounts
Onyx Financial
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Beam
No in-app purchases
Onyx Financial
No in-app purchases
