Clero vs Clero

Send and receive money from friends straight from your bank account within the same day without wallets or transfer fees. Clero combines bank-to-bank payments, card transaction splitting, receipt scanning, and group expense tracking into one app. DIRECT TO BANK PAYMENTS WITH ZERO FEES • Same-day direct settlement: Money moves straight between bank accounts on the same day. No digital wallet balance to cash out. • Zero transfer fees: Send and receive money without paying 1.75% instant transfer fees. • Phone number claim links: Send money to anyone with a phone number. Recipients without Clero claim funds straight to their bank account through a web link. Expired claims return to your account. RECURRING REQUESTS AND BILLS • Flexible schedules: Create recurring payment requests for rent, utilities, subscriptions, or shared expenses. • Custom intervals: Set schedules by week, month, or year with specific billing days or end dates. • Scheduled tracking: Clero creates new requests on your schedule and notifies participants when bills come due. CARD AND SUBSCRIPTION SPLITTING • Card sync: Link your credit cards and bank accounts through Plaid. Tap any posted charge to split it with friends. • Subscription detection: Clero identifies recurring charges like streaming services, gym memberships, and utility bills for one-tap splitting. RECEIPT SCANNING AND RICH RIDE BREAKDOWNS • Camera and Gmail sync: Snap a photo of a restaurant receipt or link Gmail to pull receipts from DoorDash, Airbnb, and dining spots. • Uber and Lyft ride details: Pull ride breakdowns including pickup and drop-off points, duration, driver details, and table tip adjustments. • Itemized claiming: Tap items to claim dishes or divide shared plates. • Proportional tax and tip: Taxes and tips split based on each person's spend. • Locked shares: When someone pays, their share locks so subsequent edits do not alter settled amounts. BATCH PAY, AND PARTIAL PAYMENTS • Batch pay: Select multiple open requests from the same friend and pay them all at once. • Partial payments: Pay open requests in increments while keeping track of how much you still owe. GROUP TYPES AND DEBT REDUCTION • Monthly groups: Built for roommates. Set a settlement date like the 1st of the month. When the cycle ends, Clero smartly tallies balances, generates payment requests for that month and starts the next month without manual setup. • Trip groups: Pool vacation expenses and generate payment requests automatically when your trip ends. • On-demand groups: Split expenses for social events and settle whenever you choose. • Simplify debts: Clero calculates the shortest route across group members to eliminate redundant back-and-forth transfers. • Splitwise import: Upload a Splitwise CSV file. Clero matches names to your contacts and imports your balances. SECURITY • Face ID and Touch ID confirmation required before money moves. • Bank-grade encryption across all financial rails. --- Support: https://clero.money Privacy Policy: https://clero.money/privacy Terms of Service: https://clero.money/terms

Clero is the simplest way to track money owed to you, manage your debts, and stay on top of recurring subscriptions — all in one beautifully designed app. Whether a friend borrowed money, you owe someone for dinner, or you want to see exactly where your subscription dollars go each month — Clero keeps everything crystal clear. TRACK WHO OWES YOU Add receivables in seconds. Set due dates, record partial payments, and never forget who owes you money. Get reminders when payments are overdue so you can follow up without the awkward conversation. NEVER FORGET YOUR DEBTS Keep an honest record of what you owe. Track payment progress, set reminders, and mark debts as paid. Clero helps you stay on top of your obligations and become debt-free faster. MANAGE ALL YOUR SUBSCRIPTIONS See your total subscription spending at a glance — daily, weekly, monthly, and yearly. Track Netflix, Spotify, gym memberships, and every recurring payment in one place. Get renewal reminders so you never get charged for something you forgot to cancel. SUBSCRIPTION HEALTH REPORT Understand your spending habits with a detailed health score, category breakdown, and smart tips. See which subscriptions cost you the most, what you could save, and fun comparisons like "that's 12 coffees per month." PINNED NOTES & EVIDENCE Attach screenshots, photos, and notes to any record as proof. Perfect for keeping chat screenshots, receipts, or agreements as evidence — download them anytime you need. SMART NOTIFICATIONS Get reminders exactly when you need them: • 1 day before a receivable is due • On the due date • 3 days after if overdue • Recurring debt reminders (daily, weekly, monthly) • Subscription renewal alerts • Weekly financial summary every Sunday GAMIFICATION & BADGES Stay motivated with payment streaks and 14 achievement badges. Earn "Streak Master" for consecutive payments, "Speed Runner" for paying within 24 hours, "Clean Slate" for collecting all receivables, and more. DETAILED STATISTICS See your full financial picture with yearly summaries, monthly flow charts, top people breakdown, and subscription category analysis. Premium feature. 7 LANGUAGES Available in English, Turkish, Spanish, Portuguese, German, French, and Italian. Clero automatically detects your device language. PRIVACY FIRST All your data stays on your device. No accounts, no servers, no tracking. Your financial information never leaves your phone. FREE FEATURES • Track up to 2 receivables, 2 debts, and 2 subscriptions • Smart reminders and notifications • Multiple currency support • Dark and light themes • Gamification badges CLERO PREMIUM Unlock the full experience: • Unlimited receivables, debts & subscriptions • Pinned notes & evidence photos • Detailed statistics & badges • Subscription cost analysis & health report • 3-day free trial on annual plan Download Clero today and take control of your money. Crystal clear. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/