Oweize Pricing Explained: Free Plan and Bank Add-ons

One of the most common questions we get is about pricing. Here is a straightforward breakdown of what Oweize costs, what is included for free, and when you might want to pay for more.

The Free Plan Includes Almost Everything

Oweize is free to use, and the free plan is not a stripped-down trial. It includes the full set of features:

• Unlimited expenses and groups. Create as many groups as you need and log as many expenses as you want. There are no caps.
• Split with friends. Add friends by email or phone number. Split expenses equally, by percentage, or by exact amounts.
• Multi-currency support. Log expenses in over 155 currencies. Balances are tracked in the currency they were recorded in.
• Receipt scanning. Take a photo of a receipt and the AI extracts line items automatically for item-level splitting.
• Recurring expenses. Set up expenses that repeat on a schedule so you do not have to log them every time.
• Penny AI assistant. Ask Penny questions about your spending, balances, and expenses in plain language.
• Budget tracking. Set spending limits by category, track income and expenses with monthly views, and monitor your progress.
• CSV and PDF statement import. Upload bank statements from any bank in the world. The AI detects the format and imports transactions automatically.
• AI transaction categorization. Imported transactions are categorized automatically so your budget reflects actual spending without manual effort.
• 1 free bank connection. Connect one bank account through Plaid for automatic daily transaction sync.
• Referral rewards. Earn points by inviting friends. Redeem them for offers and rewards.

That is a lot of functionality for zero dollars. For many users, the free plan is all they will ever need.

Bank Add-ons: $0.99 per Bank per Month

The only paid feature in Oweize is additional bank connections. Your first bank connection is free. If you need more, each additional connection costs $0.99 USD per month.

This is an in-app purchase, not a subscription tier. You are not upgrading to a different plan. You are simply adding more bank connections to your existing free account.

Common reasons to add more connections:

• You have a checking account and a credit card at different banks
• You want to track both personal and business spending
• You share a joint account with a partner and also have individual accounts
• You use multiple financial institutions

Each additional bank connection syncs independently and imports its own transactions daily.

No Subscription Tiers

Oweize does not have a Pro plan, a Plus plan, or any tiered subscription model. There is one plan (free) with one optional add-on (additional banks). This keeps things simple and transparent.

You will never encounter a feature that is locked behind a paywall. Every feature listed above is available to every user from day one.

How It Compares

Many expense splitting and budgeting apps offer a free tier with significant limitations: caps on groups, limits on expenses per month, paywalled features like receipt scanning or bank sync. Then they charge $5 to $15 per month for a premium plan that unlocks everything.

Oweize takes a different approach. The core product is free and fully featured. The only thing that costs money is connecting additional bank accounts, which is relevant only to users who need it. Most users never pay anything.

The Bottom Line

Oweize is free. Everything from expense splitting to AI-powered budgeting is included at no cost. If you need more than one bank connection, each additional one is $0.99 per month. That is the entire pricing model. No hidden fees, no feature gates, no trial periods.