Owed Review
Owed vs Catch
Catch and Owed both match you with class action settlements and track your claims. Catch is a free app from Kikoff that pairs a settlement finder with games and surveys paid in Amazon gift cards; Owed is a settlements-focused web app with a free directory and a paid membership. Here's how they compare as of October 2026.
Pick Catch if you want to pay nothing, like the option of letting the app submit claims for you, or want games and surveys that earn gift cards. Pick Owed if you want a settlements-focused tool with a free directory of open, checked cases and are happy to pay $49 a year after a $2 first week.
Feature comparison
We make Owed, so check the Catch column against their site too. Facts as of October 2026.
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| Ours Owed | Catch | |
|---|---|---|
| Price | $2 first week, then $49/yr | Free; no in-app purchases listed |
| Free trial / intro offer | $2 for 7 days; cancel before they end to skip $49 | Not needed; free to use, per Catch |
| Takes a cut of payouts | per its About page | |
| Files claims for you | Optional, per its Terms, once you authorize it | |
| Free settlement list without an account | Preview page; every card we saw was expired | |
| Personal matching | short quiz | quiz or optional bank connection |
| Claim tracking | submitted → approved → paid | My claims tab |
| Deadline reminders | 7 days and 24 hours before | alerts for settlements ending soon |
| Refund / money-back policy | 14-day money-back guarantee | Not applicable; no fees listed |
| iPhone app | Web app only (no App Store app yet) | |
| Android app | Web app only (no Google Play app yet) | |
| Company behind it | Owed | Kikoff Inc., San Francisco |
Owed
Strengths
- Free directory of open settlements, each checked against the official site
- Free unclaimed-money links and flight compensation checker, no sign-up
- Pro gives plain-English instructions for each claim: who qualifies, proof, deadline
- Pro tracks claims and reminds you 7 days and 24 hours before deadlines
- Never takes a percentage of any payout
Weaknesses
- Costs money: $2 for the first week, then $49 per year
- You still submit every claim yourself on the official form
- Web app only: no App Store or Google Play app yet
- New company with no public ratings yet
Catch
Strengths
- Free to use: no subscription or in-app purchases listed
- Terms describe optional filing on your behalf once you authorize it
- Games and surveys can earn Amazon gift cards while you wait
- 4.8 on the App Store from about 1.7K ratings
- Says it takes no cut of rewards or settlements
Weaknesses
- Doesn't explain how it makes money on the pages we read
- 3.3 on Google Play, against 4.8 on the App Store
- Recent reviews report stuck cash-outs, sign-up trouble and thin support
- Uses Kikoff's company-wide privacy policy, which mentions sharing with advertisers
- Public settlements page is a preview; every card we saw was expired
Catch, as we found it
Screenshots of public pages, captured October 18, 2026.
Our verdict
On price, Catch wins outright. As of October 2026 it's free, with no subscription and no in-app purchases listed, while Owed Pro costs $2 for the first week, then $49 per year. Catch also does something Owed never does: its Terms describe an optional feature that submits claims for you once you authorize it. If you want to spend nothing, try Catch first.
Owed is for people who want a settlements-focused tool. Catch mixes its settlement finder with games and surveys, doesn't explain how it makes money on the pages we read, and has a 3.3 rating on Google Play. Owed's directory of open settlements is free to browse without an account, every case is checked against the official settlement site before it's listed, and Owed Pro adds your personal list, plain-English instructions, reminders and a claim tracker for $2 for the first week, then $49 per year — one flat membership. Owed never takes a percentage of any payout. We built Owed, so weigh that accordingly. With either one, filing directly with the settlement administrator is free.
Sources for the Catch facts
- Catch — official site
- Catch — Find Owed Money (settlement finder page)
- Catch — About page
- Catch — Terms of Service (August 14, 2026)
- Kikoff — Privacy Policy (linked from Catch, updated October 9, 2026)
- Catch: Earn Cash & Claim Money — App Store listing
- Catch: Earn Cash & Claim Money — Google Play listing
We build Owed and we write this site, so read it knowing that. We check every settlement on its official website before listing it, and we’ll tell you when you don’t need us. Corrections and questions: support@claimowedmoney.com.
Owed vs Catch: questions
Is Catch better than Owed?
On cost, yes: Catch is free, and Owed Pro is $2 for the first week, then $49 per year. Catch also has gift-card games and surveys, and its Terms describe optional filing on your behalf. Owed is settlements-focused, with a free directory of checked, open cases and a claim tracker in Pro. We built Owed, so weigh our answer accordingly.
Why pay for Owed when Catch is free?
You may not need to. If Catch finds your claims, it costs nothing. Owed Pro adds a personal list built from a short quiz, plain-English instructions for each claim, reminders 7 days and 24 hours before deadlines and a claim tracker, and you can browse Owed's settlements directory free before deciding. Filing directly with a settlement administrator is free either way.
Does Catch file claims for you?
Optionally. Its Terms describe a feature that lets Catch pre-fill, submit or help submit claim forms once you authorize it; otherwise you submit on the settlement website. Owed doesn't submit claims: you submit every claim yourself on the official form.