Comparison

owed vs Serrala

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

Head to head
About

owed

Easily track money lent and borrowed among friends and family. Manage multiple debts per person, add contacts directly, and set reminders. Send email or SMS notifications to ensure you get paid back.

Highlights
  • Track multiple debts per person
  • Use contacts to add people
  • Set notifications
  • Send email/SMS reminders
  • Update contact information
  • View transaction history
Features
Read full description

Version 2 is here! What is new in this version? In a nutshell, everything! Do you borrow money? Do you lend money to your friends? Maybe your family is on your mobile family plan ( you know that mobile plan that no one actually knows what they owe the plan owner each month). If one or all of these fits you, then you're going to love owed! Here is just a sample of some key features: • FREE to use and no sign-up requirement. Seriously who doesn't like free? This also means you should limit your list of demands on what the app needs to do. Remember, it's FREE. • Keep track of multiple entries for each person. If you're like me, you have that one friend (Carl) that is constantly borrowing something. Now you can keep tabs on Carl and what he owes you. • Use your contacts to create new people. Now it's super easy to add Carl's information to the owed app. (Thanks Apple Contacts) • Set Notifications. I promise this time they work! • Send email or SMS reminders. Email not your thing? No worries. Send that person a text message directly from the owed app! • 3D touch enabled Maybe you have it, maybe you don't. But if you do, good for you, as owed is now using 3D touch! • Update person's information. You know, like if Carl tries to change his legal name to Chuck. Well bad news, Chuck. Owed makes it really easy to update a contact's name. • View the history of your statements. If Chuck tries to argue that he didn't borrow more money on top of what he already owes you for lunch, now you can show him the exact day he borrowed money for that Happy Meal. If you like what you see, please rate the app! Thanks for checking out the app, we hope you enjoy it as much as we do!

About

Serrala

Features
Read full description

The Serrala Mobile App is a secure mobile solution for Payments Cloud and Accounts Receivable Cloud, designed to simplify payment approvals and financial workflows. Its user-friendly design provides seamless access to critical financial operations, allowing you to manage payments, review account information, and monitor your financial status anytime, anywhere. Versatile and Flexible From approving payments to tracking financial data, the Serrala Mobile App integrates seamlessly with Serrala’s cloud solutions. It gives you control over your financial operations, whether you are in the office or on the go. Secure and Reliable The Serrala Mobile App combines modern authentication and security capabilities with a smooth and convenient user experience, helping you securely access accounts and authorize financial activities. Quick and Simple Setup Setting up the app is fast and straightforward. Simply pair the Serrala Mobile App with your Serrala cloud solution by scanning a QR code. Within minutes, you can securely access the essential financial tools available to you. Prerequisite: Access to a supported Serrala solution, such as Payments Cloud or Accounts Receivable Cloud.

Screenshots

owed4 screens
Serrala4 screens

Verdict

The call

The clearest difference is update cadence: Serrala at monthly against owed's every 3 months. owed's advantage is iOS requirement (12.4 vs 18.0). 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.

UpkeepUpdate frequency

owed ships an update every 3 months, Serrala monthly. The most recent releases landed on October 4, 2026 and September 23, 2026 respectively.

Scorecard2 real differences · 8 level
owed versus Serrala: the parameters behind the verdict, then further details
ParameterowedSerrala
PriceFreeFree
Rating4.6 (52 ratings) — better—
Positive reviews68.9% of reviews—
Number of ratings52 — better—
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad
Requires iOS12.4 — better18.0
Further details — not scored
Size2 MB61 MB
Age rating4+4+
DeveloperJosh GdovinSerrala Cloud Solutions GmbH

In-app purchases

None

owed

No in-app purchases

None

Serrala

No in-app purchases

Questions

Is owed free?
owed is free to download, with no in-app purchases.
Is Serrala free?
Serrala is free to download, with no in-app purchases.
Do owed or Serrala have ads?
Neither owed nor Serrala shows ads.
Which is updated more often, owed or Serrala?
owed ships an update every 3 months, and Serrala monthly. Most recently, owed was updated on October 4, 2026 and Serrala on September 23, 2026.

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