# HOLD vs BOWO.fi

The clearest difference is rating: BOWO.fi at 5.0 against HOLD's 1.0. BOWO.fi also leads on update cadence (every 9 days vs monthly). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

BOWO.fi holds the better App Store score, 5.0 against 1.0. Both are backed by a comparable volume of ratings — 1 and 1 respectively.

HOLD ships an update monthly, BOWO.fi every 9 days. The most recent releases landed on October 25, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | HOLD | BOWO.fi |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/hold-pay-and-split-with-friends/id6755203065/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/bowofi/id6761910078/reviews)** |
| Number of ratings | 1 | 1 |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 9 days** |
| Monetization | Free | Free |
| Size | 119 MB | 44 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [HIHODL Technologies OU](https://appshunter.io/developer/1852574442) | [BOWO.fi LLC](https://appshunter.io/developer/1892022924) |

## What reviewers say

### HOLD

[App page](https://appshunter.io/ios/app/hold-pay-and-split-with-friends/id6755203065)

This app allows you to get paid from anywhere, split expenses with friends in group chats, and manage your money with an AI assistant. It also offers features for travel, saving, and investing in cryptocurrencies.

**Highlights:** Receive payments globally, Split expenses in group chats, AI money assistant for planning, Book travel and hotels, Save and invest in crypto, Self-custodial security

**Features:** macOS Compatibility

**In-app purchases:** none


### BOWO.fi

[App page](https://appshunter.io/ios/app/bowofi/id6761910078)

This decentralized finance app offers a comprehensive suite of tools for managing digital assets. It enables users to bond assets at a discount, swap tokens on a decentralized exchange, and spend cryptocurrency via a virtual debit card. The platform also supports protocol governance and community engagement through meetups and a referral program.

**Highlights:** AI-powered bond discounts, Decentralized token swapping, Virtual crypto debit card, Protocol governance voting, Community meetups and rewards, Referral program, AI DeFi assistant

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

**In-app purchases:** none


## Frequently asked questions

### Is HOLD free?

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

### Is BOWO.fi free?

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

### Which has better reviews, HOLD or BOWO.fi?

BOWO.fi is rated higher. HOLD averages 1.0 out of 5 from 1 ratings, while BOWO.fi averages 5.0 from 1 ratings.

### Do HOLD or BOWO.fi have ads?

Neither HOLD nor BOWO.fi shows ads.

### Which is updated more often, HOLD or BOWO.fi?

HOLD ships an update monthly, and BOWO.fi every 9 days. Most recently, HOLD was updated on October 25, 2026 and BOWO.fi on October 23, 2026.

---

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