Money between
people you trust.
Lend, split and get paid back. Beautifully simple, and never awkward.
Made for real life
The moments money gets awkward.
Dinner, split in seconds.
Even with friends who aren’t on Owable yet. Their share waits for them.
Rent, paid back on the 1st.
Lend with a due date. Repayment happens automatically on the day.
Tickets, sorted before the show.
Send your share instantly. Always free between friends.
How it works
From “I’ll pay you back” to paid back.
01 · Your money
Everything owed,
at a glance.
Your balance, what you’re owed and what you owe, in one calm place.
02 · Send
Send in seconds.
Always free.
Pay a friend by @username or by scanning their Owable card. It arrives instantly.
03 · Lend
Lend with
real terms.
Set the amount, the due date and auto repayment. On the day, Owable handles the rest.
04 · Ask
Ask, without
the awkward text.
Request a loan from someone you trust. When they approve, it’s on record for both of you.
Owed, handled.
Free to send. Free to lend. 1.75% only when a loan is repaid, from $1 up to $25, always shown before you confirm.
Security
Built for trust, by design.
Money between friends only works when everyone can rely on it. So every account is verified, every payment is recorded, and you approve what moves.
Verified identities
Every member verifies who they are before money can move. No anonymous accounts.
Held at a partner bank
Your balance is held by our banking partner, not on Owable’s own books.
Encrypted everywhere
Your data is encrypted in transit and at rest. We never see your bank passwords.
Nothing moves without you
Every payment needs your approval, or a repayment date you agreed to.
Help when it matters
Report a problem on any payment. Our team reviews it within two business days.
Questions
Good to know.
Is Owable a bank?
No. Owable is a financial technology company, not a bank. Banking services are provided through our banking partners.
What does it cost?
Sending money and lending are free. When you repay a loan, there is a 1.75% platform fee (minimum $1, maximum $25), always shown before you confirm.
Does Owable lend me money?
No. Loans on Owable are agreements between you and people you know. Owable keeps the record, moves the money and handles the reminders.
What if someone doesn’t pay me back?
Owable sends friendly reminders and keeps a clear record both of you can see. Repayment is still between members, so only lend what you are comfortable with.
Can I split with friends who aren’t on Owable?
Yes. Add them by name, send them a private link, and their share waits for them when they join.
When can I join?
We are opening Owable in waves. Join the waitlist to reserve your username, and invites go out in order.
Stop asking.
Start owning it.
Reserve your username now. We’re letting people in by invitation, in the order they joined.
Join the waitlistiPhone and Android apps coming soon.