Brand-new clear home · Custom contact nicknames · Simpler wording · Group Savings tab. The Belgian fintech that saves friendships.
Pactly · Clear accounts keep friendships strong
You lent your friend $20 for the movies? Running a family tontine? Splitting rent with your roommates?
Pactly turns these awkward money moments into clear, calm agreements.
— A pact is sacred. Every cent validated on both sides. —
LOANS BETWEEN FRIENDS, IN TOTAL CONFIDENCE
• Create a loan in 10 seconds, the other party validates with a tap.
• Every repayment requires both parties to approve.
• Attach payment proof (photo, transfer screenshot) in a few taps.
• Clear deadlines: automatic reminders before due date.
TONTINES & ROSCAs
• Create a rotating savings group with friends or family.
• Track contributions and payouts in real time.
• Tontine Mirror AI suggests the best partners based on trust scores.
OBJECT LOANS
• Lend your book, camera, tools… without ever forgetting.
• QR code scanning for instant identification.
• Photo of the item before lending + automatic return reminder.
SHARED BILLS & EXPENSES
• Split rent, groceries, nights out.
• Auto-calculates who owes whom.
• PDF export of monthly statements (admin-friendly).
SECURITY & PRIVACY
• Face ID / Touch ID to unlock the app.
• Incognito mode hides amounts in public.
• End-to-end encrypted conversations.
• GDPR-compliant, data stored in Europe.
INTERNATIONAL
• Available in French, English, Spanish, German, Italian, Portuguese, Dutch, Arabic (RTL), Turkish, Romanian, Polish, and Russian.
• Multi-currency (USD, EUR, GBP, CHF…).
PACTLY PREMIUM (optional)
• Unlimited loans and tontines.
• Monthly PDF statement export.
• Advanced multi-level reminders.
• Unlimited history and statistics.
• Extended Trust Score with AI coach.
• Priority support.
Pricing:
• Monthly: $14.99/month
• Annual: $129.99/year (save 28%)
Secure payment via Apple In-App Purchase. No hidden commitments. Cancel anytime from Settings › Apple ID › Subscriptions.
FREE FEATURES
• 3 simultaneous active loans free.
• Unlimited bilateral validation.
• Real-time notifications.
• Multi-device sync.
—
Pactly is designed to preserve your friendships by making accounts transparent and calm. No more arguments, no more failing memory, no more awkward "did you pay me back?" moments. Just a clear pact, validated on both sides.
Download Pactly today and rediscover the joy of lending without worry.
—
Support: support@pactly.app
Terms: https://pactly.app/terms
Privacy: https://pactly.app/privacy
Ratings & Reviews
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Pactly v1.0.20 — Simpler. Faster. Clearer.
NEW THEME
This release is a major overhaul driven by YOUR feedback.
BRAND-NEW HOME SCREEN
• Crystal-clear 2×2 grid: Loans · Group Savings · Bills · Messages
• Everything at a glance, no more hunting
• Gold "New loan" button — impossible to miss
• Scroll hint so you know there's more below
SIMPLER WORDING
• "Tontine" → "Group savings" — anyone gets it
• "Quick Split" → "Split a bill"
• Updated across all 12 languages
CUSTOM NICKNAMES FOR YOUR CONTACTS
• Give each contact a personal nickname: "Roomie Sarah", "Bro Marc"…
• Only visible to you
• One-tap edit from any contact card
REDESIGNED BOTTOM BAR
• New "Group Savings" tab — one tap away
• No more digging through menus
CLEANER SETTINGS
• Essentials stay visible
• Advanced features (Karma, Wrapped, Predict, Time Capsules…)
tucked under "Show more features"
CLEARER "FEATURES MENU"
• Renamed from "Do anything" to "Features menu"
• Grid icon + quick preview of what's inside
BUG FIXES
• Fixed sign-in failure on certain 5G networks
• General stability improvements
• Dashboard performance boost
Huge thanks to the Pactly community.
Got a question? support@pactly.be
Version 1.0.23
The developer, christopher de neef, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Contact Info
Identifiers
Usage Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
christopher de neef
Size
49.6 MB
Category
Finance
Compatibility
Requires iOS 15.1 or later.
iPhone Requires iOS 15.1 or later.
iPad Requires iPadOS 15.1 or later.
iPod touch Requires iOS 15.1 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
