Owed Review
Owed vs Collect
Collect and Owed both match you with class action settlements, point you to the official claim form and leave the filing to you. Collect is a subscription-only app and website covering the US, Canada and Australia; Owed is a web app with a free settlements directory and one flat paid membership. Here's how they compare as of October 2026.
Pick Collect if you want an iPhone or Android app, or settlements in Canada or Australia, and you're fine paying before you see your matches. Pick Owed if you want to browse open settlements free first, then pay one flat price for matching, reminders and tracking.
Feature comparison
We make Owed, so check the Collect column against their site too. Facts as of October 2026.
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| Ours Owed | Collect | |
|---|---|---|
| Price | $2 first week, then $49/yr | Subscription only; App Store $4.99/wk to $59.99/yr |
| Free trial / intro offer | $2 for 7 days; cancel before they end to skip $49 | No free tier; trials at Collect's discretion |
| Takes a cut of payouts | says it never holds settlement money | |
| Files claims for you | you file with the administrator | |
| Free settlement list without an account | No free tier; an estimate shows before you pay | |
| Personal matching | short quiz | pick brands you've bought from |
| Claim tracking | submitted → approved → paid | tracks pending claims |
| Deadline reminders | 7 days and 24 hours before | 7 days and 1 day before a followed case closes |
| Refund / money-back policy | 14-day money-back guarantee | Web: conditional 12-month guarantee; App Store: Apple |
| iPhone app | Web app only (no App Store app yet) | |
| Android app | Web app only (no Google Play app yet) | |
| Company behind it | Owed | Ferrix Labs Inc. (says it's incorporated in Canada) |
Owed
Strengths
- Free settlements directory you can browse before paying anything
- One flat price: $2 for the first week, then $49 per year
- Full refund of any charge if you email support within 14 days
- Every listed case is checked against the official settlement site first
- Pro tracks each claim from submitted to approved to paid
Weaknesses
- Web app only: no App Store or Google Play app yet
- New company with no public ratings yet
- Paid membership: $49 per year after a $2 first week
- You still submit every claim yourself on the official form
Collect
Strengths
- Apps on iPhone and Android, with 100K+ Google Play downloads
- High store ratings: 4.6 on the App Store, 4.7 on Google Play
- Covers settlements in the US, Canada and Australia
- Says it never touches payouts and takes no cut
- Yearly App Store entries start at $29.99, below Owed's $49
Weaknesses
- No free tier, and no prices on its website
- About three in four of its 97 written App Store reviews are one-star
- Website fees are non-refundable outside a conditional 12-month guarantee
- Apps share device IDs with AppsFlyer and TikTok for ad measurement
- No street address in its Terms or privacy policy
Collect, as we found it
Screenshots of public pages, captured October 18, 2026.
Our verdict
Collect and Owed agree on two important things: neither files claims for you, and neither takes a cut of your payout. As of October 2026, Collect's advantages are real. It has iPhone and Android apps with high star ratings, it covers Canada and Australia as well as the US, and some of its yearly App Store entries start at $29.99. If you want a phone app or you live outside the US, Collect is the better fit.
Owed's case is seeing before you pay. Collect's Terms say there is no free tier, and the most common complaint in its written App Store reviews is a paywall after the questions. With Owed you can browse the settlements directory free, and Owed Pro is $2 for the first week, then $49 per year — one flat membership. Owed never takes a percentage of any payout. Both have a year-end check if payouts fall short of fees: Collect's covers website subscribers with at least one claim recorded, while Owed's covers annual plans with at least 10 valid claims submitted through Owed and refunds the difference. Other conditions apply to both. We built Owed, so weigh that accordingly; filing directly with a settlement administrator is always free.
Sources for the Collect facts
- Collect — official site
- Collect Terms of Use (updated September 23, 2026)
- Collect Privacy Policy (updated September 29, 2026)
- Collect Class Action Terms
- Collect - Settlement Finder — App Store listing
- Collect - Settlement Finder — 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 Collect: questions
Is Collect better than Owed?
For some people, yes. Collect has iPhone and Android apps, high star ratings and coverage in Canada and Australia as well as the US. Owed is web-only for now, but you can browse its settlements directory free before paying one flat price. We built Owed, so weigh our answer accordingly.
Which costs less, Collect or Owed?
It depends on the plan you're shown. As of October 2026, Collect's App Store entries run from $4.99 a week to $59.99 a year, with some yearly entries below $49, and its Terms say there is no free tier. Owed Pro is $2 for the first week, then $49 per year — one flat membership. Owed never takes a percentage of any payout.
Do Collect or Owed file claims for you?
No. Collect says you file with the settlement administrator yourself, and Owed members submit every claim on the official form. Filing directly with a settlement administrator is always free.