Comparison

AFmobile® vs Ohoo

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

Head to head
About

AFmobile®

Manage your American Fidelity reimbursement accounts, insurance benefits, and annuities. File and track claims, view policy details, and access account balances. Prepare for enrollment by calculating savings and learning about available benefits.

Highlights
  • File and track claims
  • View policy coverage
  • Access EOBs
  • Check account balance
  • Store receipt images
  • Calculate pre-tax savings
  • Manage personal information
Features
Read full description

AFmobile® Access your American Fidelity reimbursement account(s), insurance benefits, annuities, and enrollment information with AFmobile®. Manage your benefits: File and track claims View policy to see what’s covered Access electronic EOBs Connect to your reimbursement account funds: File claims and check account balance See recent Benefits Debit Card transactions and details Store receipts or other documentation images Stay close to your account: Elect text and email notifications Manage personal information Enroll in direct deposit AFmobile is a great tool when preparing for your enrollment. The app allows you to: Calculate pre-tax savings, Determine how much to contribute to your FSA, and Learn about the importance of benefits and which options are available to you. Your account balance may not reflect recent pending Benefits Debit Card transactions. There is no charge to use AFmobile. Message and data rates may apply. For support with AFmobile, please email us at https://americanfidelity.com/mobile/forms/app-feedback/.

About

Ohoo

Effortlessly manage shared expenses with friends, roommates, or travel companions. This app automatically tracks who paid, who owes, and calculates the simplest way to settle up, eliminating the need for manual calculations or chasing payments.

Highlights
  • Split expenses equally, by exact amount, percentage, or shares
  • Automatic calculation of minimal payments for settlement
  • Create ongoing or trip-specific groups
  • Attach receipt photos to expenses
  • Organize expenses with categories
  • Export data as PDF or CSV
  • View deleted expenses in history
Read full description

Splitting expenses with roommates, friends, or travel companions shouldn't mean chasing people down or doing math in a group chat. Ohoo tracks who paid, who owes what, and calculates settlements automatically, so nobody has to keep score. SPLIT IT YOUR WAY Not every expense divides evenly. Ohoo supports: Equal amounts - split evenly among everyone Exact amounts - enter exactly what each person owes Percentage - assign a share to each person, down to the last cent Shares - a simple dot picker for "I had two, you had one" splits FEWER PAYMENTS, LESS BACK-AND-FORTH Instead of a tangle of who-owes-who, Ohoo automatically works out the smallest number of payments needed to settle everyone up, often just one or two transfers instead of a dozen. BUILT FOR REAL GROUPS Ongoing groups for roommates and recurring shared costs Trip groups for one-off getaways Invite people by text, QR code, or AirDrop Attach a receipt photo to any expense Organize expenses with categories NOTHING DISAPPEARS WITHOUT A TRACE Deleted an expense by mistake? It stays visible in your history, clearly marked, so nobody's left wondering where a payment went. EXPORT YOUR DATA Download a full PDF or CSV of any group's expenses and payments whenever you want it. PRIVATE BY DESIGN Ohoo doesn't show ads, track you across other apps, or sell your data. Your expenses are yours. Free to use. Your friends don't need to download it right away either — add them by name, and they can claim their spot and see everything later, whenever they're ready.

Screenshots

AFmobile®4 screens
Ohoo4 screens

Verdict

The call

The clearest difference is update cadence: Ohoo at every 3 days against AFmobile®'s monthly. Ohoo also leads on monetization model (free vs free with in-app purchases) and review sentiment (100% vs 84%). AFmobile®'s advantage is ratings volume (83K vs 13). On price, ads, in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Ohoo holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: AFmobile® has 83K ratings behind it against 13, so its average is the more settled of the two. Written reviews point the same way: 84% of AFmobile®'s written reviews are positive against 100% of Ohoo's.

UpkeepUpdate frequency

AFmobile® ships an update monthly, Ohoo every 3 days. The most recent releases landed on October 18, 2026 and October 16, 2026 respectively.

Scorecard5 real differences · 5 level
AFmobile® versus Ohoo: the parameters behind the verdict, then further details
ParameterAFmobile®Ohoo
PriceFreeFree
Rating4.8 (83K ratings)5.0 (13 ratings) — better
Positive reviews84.3% of reviews100.0% of reviews — better
Number of ratings83K — better13
Update frequencyMonthlyEvery 3 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad — betteriPhone
Requires iOS18.017.0 — better
Further details — not scored
Size67 MB5 MB
Age rating4+4+
DeveloperAmerican Fidelity Assurance CompanyZIND LLC

Customer experience

AFmobile®

All ratings83,322 ratings
Positive97.8%
Neutral1.6%
Negative0.6%
Written reviews490 reviews
Positive84.3%
Neutral2.4%
Negative13.3%

Ohoo

All ratings13 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews5 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

AFmobile®

Reported bugs

4 issues
  • App crashing or freezing
  • Incorrect claim information displayed
  • Submitted claims disappearing or not processing
  • Inability to upload all required documents

Requested features

5 requests
  • Allow pasting of information into form fields
  • Improve calendar/date selection functionality
  • Provide more transparency on claim status
  • Add ability to view previously submitted documents
  • Streamline the wellness/cancer claim submission process

Ohoo

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

AFmobile®

No in-app purchases

None

Ohoo

No in-app purchases

Questions

Is AFmobile® free?
AFmobile® is free to download, with no in-app purchases.
Is Ohoo free?
Ohoo is free to download, with no in-app purchases.
Which has better reviews, AFmobile® or Ohoo?
Ohoo is rated higher. AFmobile® averages 4.8 out of 5 from 83K ratings, while Ohoo averages 5.0 from 13 ratings.
Do AFmobile® or Ohoo have ads?
Neither AFmobile® nor Ohoo shows ads.
Which is updated more often, AFmobile® or Ohoo?
AFmobile® ships an update monthly, and Ohoo every 3 days. Most recently, AFmobile® was updated on October 18, 2026 and Ohoo on October 16, 2026.

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