Oweize Plans: What Is Free and What Costs Extra

Oweize keeps pricing simple. There is one plan with everything included, and one optional add-on for users who need extra bank connections. Here is the full breakdown.

Everything Is Free

The Oweize free plan includes the complete feature set:

• Unlimited expense splitting and groups
• Receipt scanning with line-item extraction
• Multi-currency support with over 155 currencies
• Recurring expenses
• Penny AI assistant for financial questions
• Budget tracking with customizable periods
• CSV and PDF bank statement import from any bank worldwide
• AI transaction categorization
• 1 free bank connection via Plaid
• Referral rewards program

There are no ads, no trial periods, and no feature gates. Every user gets access to every feature from day one.

Who it is for: Everyone. Whether you are a student splitting rent, a traveler managing group trip costs, or someone who wants to track their personal budget, the free plan covers it.

Bank Add-ons: $0.99 per Bank per Month

The only paid feature is additional bank connections. Your first bank connection through Plaid is included for free. If you need more, each additional connection costs $0.99 USD per month as an in-app purchase.

Who it is for: Users with multiple bank accounts or credit cards at different institutions who want automatic transaction sync for all of them.

Example: You have a checking account at one bank and a credit card at another. Your checking account uses the free connection. You add your credit card as an additional connection for $0.99 per month. Both accounts sync daily and feed into your budget automatically.

You can add or remove additional bank connections anytime. There are no contracts or commitments.

No Subscription Tiers

Oweize does not have Plus, Pro, or Premium tiers. There is no upgrade path that unlocks features. Everything is already unlocked. The only decision is whether you need more than one bank connection.

Frequently Asked Questions

Is receipt scanning really free? Yes. Receipt scanning with AI line-item extraction is included at no cost. There is no limit on scans.

Is Penny AI free? Yes. The AI assistant is available to all users at no charge.

Can I import bank statements for free? Yes. CSV and PDF import from any bank in the world is free. This is separate from bank sync. Import works by uploading a file. Bank sync connects directly to your bank through Plaid and imports transactions automatically.

Is the first bank connection really free forever? Yes. One bank connection via Plaid is included permanently in the free plan.

Do I lose data if I remove a bank connection? Previously imported transactions remain in your history. Removing a connection only stops new transactions from syncing.

The Bottom Line

Oweize is free with everything included. The only thing that costs money is connecting additional bank accounts at $0.99 each per month. That is the entire pricing model.