Settle

It's fun to go out with your buddies, colleagues for a drink, lunch or dinner. Afterward, one of you pay the bill and you need to settle by paying each other back in cash (which is messy with lose change and all) OR you transfer it back to your friend by online banking which also a pain (with 2-way authentication token and all sort of stuffs).

Settle is an app to allow you to keep track of your balance between your friends, no need to settle until you feel like to or simply see who has the highest owing balance and that guy paid. As simple as that!

Transfer "settle" balance is simple, just type in the amount and it will generate a secure QR Code, so your friend can scan it to receive. Your balance will be kept up-to-date by the app.