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

Who owes you money? What do you owe? Which subscriptions renew next? Clero keeps these answers together. Track personal debts, money lent to friends, and recurring subscriptions in one clear place—without creating a Clero account. KEEP EVERY IOU ORGANIZED Add the person, amount, and reason. Set a due date, record partial payments, and see what is still owed. Search by name, description, or tag to find the right record quickly. STAY ON TOP OF YOUR DEBTS Keep track of what you owe and your payment progress. Add reminders, organize records with tags, and archive completed items. Person summaries show receivables and debts together while keeping currencies separate. SEE YOUR SUBSCRIPTION COSTS Track recurring services, billing cycles, and next payment dates. See monthly and yearly cost estimates, add renewal or cancellation reminders, and review price changes you record in Clero. Sort your lists and filter upcoming, trial, or inactive subscriptions. Clero does not connect to your bank or cancel subscriptions for you. PLAN UPCOMING PAYMENTS See dated receivables, debts, and subscription renewals in a payment calendar. Set a monthly payment target for your currency and keep your next dates in view. KEEP YOUR RECORDS CLOSE Financial records are stored locally on your device. Export a password-protected backup when you want to keep a copy, and restore it when needed. Choose light or dark mode and use multiple currencies. START FREE Track up to 2 receivables, 2 debts, and 2 subscriptions. Explore the core tracking tools before deciding whether you need more. CLERO PREMIUM Unlock unlimited receivables, debts, and subscriptions, notes and evidence photos, detailed statistics, and subscription cost analysis. These features require a Premium subscription. Available prices and any eligible trial offers are shown in the app before purchase. Subscriptions renew automatically unless cancelled through your App Store account settings. Trial availability depends on the plan and your eligibility. Available in English, Turkish, Spanish, Portuguese, German, French, and Italian. Make your money records crystal clear with Clero. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/