Priced for real Kiwi life.

Yes, genuinely. Owdyn Free includes bank accounts, unlimited transactions, core budgeting, CSV import, and savings goals. No credit card required, no expiry, no sudden paywall. Paid plans unlock features like forecasting, AI insights, and bank sync. You can upgrade or downgrade any time — your data is always yours.

You pay once a year at a discounted rate — effectively getting a couple of months free compared to paying monthly. You can switch between monthly and annual from your Settings page at any time. If you cancel mid-year, your plan runs until the end of the period.

Yes, always — no hoops, no retention calls. Downgrade or cancel from your Settings page. Your data stays safe and fully accessible. Features and limits adjust to match your new plan at the end of your current billing period.

Your data is encrypted in transit and at rest. We do not sell, share, or monetise your financial information — ever. Owdyn is built privacy-first: your money data exists to serve you, not to serve us.

Yes. Owdyn is built NZD-first — with NZ date formats, NZ merchant recognition, and local banking support baked in from the start. CSV import works with all major NZ banks right now. BNPL tracking covers Afterpay, Laybuy, Zip, and more — built in, not bolted on. Auto bank sync rolls out shortly after launch for Plus and Wise users.