NomaWallet vs BMD

NomaWallet was built by travelers, for travelers. Designed for when signal drops, groups split up, and money starts causing friction. No banks, no ads, no bloatware. Just the essentials to keep you in control while you’re on the move. It works 100% offline and syncs automatically once you’re back online. Your data travels with you—no reliance on external clouds or constant connectivity. ONE APP, TWO WAYS TO TRAVEL Personal / Nomad Mode For those who want clear finances while living life in motion: Quick Entry: Log expenses and income in seconds. Built-in Currency Converter: Support for 100+ currencies, even offline. Recurring Expenses: Automate your subscriptions, insurance, and recurring bills. Smart Notifications: Never forget a renewal or tax deadline again. Fuel & Consumption Tracker: Track gas, mileage, and LPG—perfect for vanlifers and road-trippers! Monthly Budgets: Seamlessly sync trip costs with your daily accounting. Excel Export: Your data, your rules. Freelancer Mode: Flag deductible expenses and prep for your quarterly taxes. Ideal for digital nomads, vanlifers, long road trips, or anyone who hates wasting time on money management. Trips & Shared Expenses Mode Travel with friends without the "who owes what" drama: Online & Offline Groups: Add expenses anywhere, sync later. Flexible Splitting: Split equally, by specific amounts, or custom shares. Live Notifications: Real-time updates on edits and movements. Debt Reminders: Keep everyone on track without the awkwardness. One-Click Transfer: Move a trip expense to your personal balance instantly. Full Trip Export: Detailed reports for the whole group. 100% Offline Solo Mode: Let one person manage everything without needing data. Perfect for trips, couples, friends, and shared living. PREMIUM (ONLY IF YOU NEED IT) Premium unlocks advanced power without limiting basic use: AI Receipt Scanner: Extracts data and detects currency based on location (requires connection). Multiple Personal Profiles: Separate your life phases. Unlimited Groups: Create as many online/offline groups as you need. Advanced Fuel Tracking: Deep dive into your consumption stats. Custom Notifications & Exports: Professional-grade tools. Freelancer Mode: Full access to tax-ready flagging. Note: You can join unlimited groups even without Premium. Only group creation is limited. BORN ON THE ROAD NomaWallet wasn’t built in a bank or a corporate office. It was born while traveling. We use it every single day on the road—that’s why it’s simple, fast, and noise-free. Tested over thousands of nomadic kilometers by its creators. If you love traveling without leaving anything to chance, this app is for you. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://nomawallet.app/en/privacy

Your njangui, your hui, your shared expenses: finally clear. BMD replaces the notebook, the WhatsApp screenshots and the end-of-round arguments. Who paid in, who owes what, who receives this month: one screen. ROTATING SAVINGS - NJANGUI, HUI, SUSU, ESUSU, STOKVEL - Set the order of beneficiaries, track contributions, send automatic reminders to every member. - Hui: monthly bidding so a member can receive the pot earlier, with the full bid history. - Proof for every payment: receipt photo, confirmation from the beneficiary, timestamp. - The group organiser stays in control; every member sees the same truth. SHARED EXPENSES - Add an expense and BMD instantly works out who owes what. - Flatshares, trips with friends, nights out, family events. - Optimised settlements: the smallest number of transfers to clear everything. - Receipt scanning, multi-currency, categories. IOU AND LOAN RECORDS - Formalise a loan between friends or relatives in two minutes. - Repayment schedule, witnesses, guarantors, document stored in the app. - A written loan is a friendship preserved. GROUP FUNDS - Built for associations, churches, clubs and families. - Fund balance, money in, money out, supporting documents. - Every member can check for themselves, nobody has to take it on trust. WHY BMD IS DIFFERENT BMD is a ledger, not a bank: the app never holds your money. No account to open, no funds locked, no commission on your contributions. You keep paying the way you always have - cash, bank transfer, mobile money - BMD simply guarantees that everyone sees the same thing. WHO IT IS FOR - African diaspora savings groups in the UK, France, Belgium, Luxembourg, Switzerland, Canada and the US - Njangui and hui groups in Cameroon and Central Africa - Susu, esusu, ajo and stokvel groups in Ghana, Nigeria and South Africa - Flatmates and groups of friends travelling together - Associations, clubs and churches running a common fund Shared money. Friendships protected. A question, a bug, an idea? Write to us, we reply quickly.