Write it down in seconds
Amount first, then who and what for. Pick a friend from Contacts and a day it's due.
Lent a friend money? Get it back, kindly.
Note what you covered, send a friendly nudge, and let your friend pay, pick another day or say it's done. They don't even need the app.
App StoreComing soonSee how it works
Three taps. No awkward texts.
Ask kindly, in your words
A friendly message is ready for WhatsApp, Messages or Owed itself, with a private reply link.
They answer in one tap
Your friend pays with your Tikkie or bank link, suggests another day or says it's paid. You get a notification.
They don't need the app.
The reply link opens in any browser. No app, no account, no sign-up. Just a clear, friendly page.
- Pay with your Tikkie or bank link in one tap
- Suggest another day if now isn't good
- Say it's paid, or that something's not right
- If they do have Owed, it lands right in their app
Small app, thoughtful details.
Nudges that sound like you
Edit the message and send it where you already talk, or nudge in Owed when your friend uses it too. At most once a day.
Reminders on the day
A gentle note at 10:00 when something's due, so you never keep count in your head.
Widgets and Lock Screen
What's owed and the next step at a glance, with no names or amounts on your Lock Screen.
Five themes
Burgundy, Matcha, Delft, Caramel and Ink, each in light and dark, with a matching icon.
Every currency you use
Euros, pounds, dollars, kronor and more, kept apart and never added together.
Made in the Netherlands
In English and Dutch, with Tikkie and iDEAL in mind.
Five themes, light and dark.
Pick the one that feels like you. With Owed Gold, the app icon follows.
BurgundyMatchaDelftCaramelInk
Your ledger stays yours.
No accounts. No ads. No tracking.
Everything lives on your iPhone, and in your private iCloud if you turn on sync. A reply link holds only what your friend sees, and it's deleted 30 days after you're square.
Free, with one gentle upgrade.
Free
€0
- Keep track of as much as you like
- WhatsApp, Messages and in-app nudges
- Reminders and widgets
- 3 open reply links at a time
€9,99 once
- Unlimited reply links
- All five themes and matching icons
- Receipt scanning
- iCloud sync across your devices
Your friends never pay. Their side is always free.
Questions, answered.
Does Owed move money?
No. Payment links open your own bank or Tikkie. “I've paid” is your friend's message; you record what actually arrived.
What does my friend see?
Your first name, the amount, what it was for, the date and your payment link. Nothing else from your ledger.
Can I delete my data?
Yes. Withdraw any link in the app, or use Settings → Delete my data to remove everything our server holds for you at once.
Settle up, stay friends.
Owed is coming to the App Store for iPhone and iPad.
App StoreComing soon