A little clarity goes a long way

Your people.
Your money.
All clear.

The dinner you covered. The tickets they bought. The money you lent. Keep it all clear, together.

Take me to Owevo Show me how it works

Currently an invite-only beta.
For adults in the UK. Already invited? You’re ready to go.

GOOD TIMES. FAIR SHARES.

A little catch-upAgreed

Dinner, sorted.

You paid £60. Three people, £20 each.

Still owed to you£30 GBP

Alex£10 received · £10 to go£10

Casey£20 still to pay£20

Your own £20 share creates no debt.

“Got it, thank you.”Alex’s £10 repayment is confirmed.

Illustration with fictional people and amounts.

Works in your browser No bank connection needed Agree before it counts

LESS “WAIT, WHAT WAS THAT FOR?”

A shared understanding.
In three simple steps.

Put it into words.

Choose a person, an amount and what it was for. Keep it as a private note, or share it when you’re ready.

Get on the same page.

Your person reviews the request in Owevo. It only joins your agreed balances once they accept it.

See what’s left.

Record payments as they happen. Once the recipient confirms they’ve received the money, the balance updates.

REAL LIFE HAS MORE THAN ONE SPLIT

From a coffee
to something
bigger.

One clear place for the little things and the longer plans.

Dinner with Alex & CaseyEqual split

You paid

£60 GBP

3 people£20 each

Your share: £20 · no debt
Alex’s confirmed payment: £10 received
Alex still owes you: £10
Casey still owes you: £20

You’re owed £30 in total.

Fictional example. The original expense and each payment stay in the history.

A family loanAgreed plan

Still to repay

£450 GBP

£600 agreed£150 received

Original plan: 6 monthly payments of £100
November: £100 paid
December: £50 paid · £50 to go
January–April: £100 each month

Next due: £50 on 15 December 2026.

Fictional example. A plan sets dates for existing money owed; it doesn’t add another debt.

A holiday bookingAgreed refund

Merchant refund received

£300 GBP

3 equal shares£100 back each

Original booking: £900
Alex & Casey already repaid: £300 each
You now owe Alex: £100
You now owe Casey: £100

Net trip cost: £600. That’s £200 each.

Fictional example after the original expense was settled. The booking, payments and agreed refund remain visible.

THE GOOD STUFF, BUILT IN

Small details.
Much less guesswork.

Money can be complicated.
Keeping track of it shouldn’t be.

Both sides of the story.

See what you owe and what you’re owed. Private notes and requests waiting for agreement stay clearly separate.

A little at a time is fine.

Agree a single date or repayments across days, weeks, months or years. Confirm partial payments and see what’s next.

Every balance has a story.

Open a breakdown of the original amount, confirmed payments and agreed corrections. Search your records or save a statement.

Currencies stay themselves.

Pounds, euros and other supported currencies have their own balances. No surprise conversions or mixed-currency totals.

START WITH A LINK

An app feeling.
A browser away.

Open Owevo on your phone or computer. Add it to your Home Screen for a quicker way back, or keep using your browser.

See Home Screen instructions

An internet connection is needed for current balances and saving changes. Native iPhone and Android apps are not available yet.

A FEW GOOD QUESTIONS

Let’s clear
that up.

Something else on your mind?
Talk to us.

Can anyone join Owevo now?

Not yet. Owevo is in a small, invite-only beta for adults in the UK. Existing invited users can open the web app. You can ask about early access; contacting us doesn’t automatically create an account or add you to marketing emails.

What does “IOU” mean?

“I owe you.” In Owevo, it’s simply a note about money one person owes another. You add who it’s between, the amount and what it was for. A private note is your record; it only becomes a shared agreement after the other person accepts it.

Does Owevo move money?

No. Pay each other using cash, your bank or another payment service. Record the payment in Owevo, then the recipient confirms they’ve received it. Owevo doesn’t hold your money or connect to your bank.

Do we both need to install it?

No. Both people can use the web app without installing anything. You can also keep a private record for yourself. Shared agreements require the other person to have access to Owevo; during the beta, accounts and testing partners are approved by the organiser.

What if something was entered wrongly?

Unconfirmed payment reports can be withdrawn. A confirmed payment can be reversed by agreement before a replacement is recorded. The history stays visible, so corrections don’t silently rewrite what happened.

Is the beta free?

There’s no charge to use the current invite-only beta. Future pricing hasn’t been announced. Owevo doesn’t currently charge interest or collect debts.

Can I use it offline?

You need a connection to view current records, share requests and confirm changes. If a connection drops during an action, reconnect and check its status before entering it again. Owevo offers a safe retry when the result is uncertain.

KNOW WHO OWES WHAT.

Keep the good company.
Lose the guesswork.

Already invited? Your people are one tap away.

Open the web app

Your people.Your money.All clear.