Koba sends the awkward text so you never have to. Split the bill by texting.
Launching soon, US & Canada
Koba sends the awkward text
so you never have to.
Split the bill by texting. Tell Koba who paid and who owes. He does the math, keeps the tab, and asks the right person for you.
Not live yet. Join and we text you Koba's number the day it opens. The iOS app is almost here, coming to the App Store.
Koba lives in your Messages app, so there is nothing new to open. He never holds your money, never touches your bank unless you ask, and your friends do not need the app. Security
Using Koba is pretty simple.
01
Save Koba’s number and text it.
We text you the number the day it opens. Save it like a contact. Then text Koba the way you’d text a friend.
02
Say who paid and who owes.
“Dinner was $184 for 4, I paid.” Send a receipt photo if you have one. Koba reads it.
03
Koba splits it and sends the reminder.
Cent-exact shares, the running tab, and the awkward nudge, so you never have to send it.
Koba lives in your Messages app. The app is just for looking: every space, expense, and settle-up, saved and readable, always.
See how conversations with Koba can work.
Koba’s not quite ready yet.
Get on the waitlist and we’ll text you when it is.
He works in your Messages app, next to every other conversation. Nothing new to open.
The iOS app is almost here, coming to the App Store.
Frequently asked questions
What is Koba?
Koba is an AI assistant for shared money. Text him in iMessage to split bills, scan receipts, track trips and spaces, and send the awkward reminder so you do not have to.
How does Koba work?
Add Koba to a chat, or text his number yourself. Tell him what happened: who paid, who was there, send a receipt photo. He does the math, keeps the ledger, and can nudge the right people.
Do my friends need Koba?
No. They can get a text from Koba and settle however they already pay. If they join, they see the same numbers in the same space.
Can I add Koba to a group chat?
Yes. That is the point. Koba lives where the group already talks, so you do not leave the conversation to open another app.
What can Koba track?
Shared expenses, receipt splits, trip and roommate spaces, who is settled, who still owes, and recurring costs like subscriptions when you tell Koba about them.
Does Koba connect to my bank?
Only if you want it to. Bank-connected watching is an optional Koba Premium feature, and even then Koba never holds, moves, or touches your money. You pay however you already pay (Venmo, Interac, cash) and Koba keeps the record.
Is my financial information secure?
Your data is encrypted in transit and at rest, with row-level access so only you and the people in a space can see it. We do not sell your information. Receipt images stay in access-controlled storage.
Can Koba scan receipts?
Yes. Send a photo in the chat. Koba reads the items and total. Scanning comes with your trial and with Koba Premium, subject to fair use. Extracted amounts can contain errors, so glance at them before you save.
What kinds of groups can I create?
Trips, apartments, couples, dinner groups, weekends, groceries, rent. Any shared space where people spend together and someone has to keep score.
How much does Koba cost?
Everything is free for your first 7 days. After that Koba Premium is $18.99 a month, $115.99 a year ($9.66 a month, save 49%), or $7.99 a week; without it your data stays yours to see and export, and Koba still answers balances and settle-ups over text. Friends of a Premium member never pay, and Koba never holds your money.
Do I need to open an app to use Koba?
No. Koba lives in your Messages app, so you text him the way you text anyone else. A companion app for charts and spaces is almost here, coming to the App Store, and nothing you tell Koba requires opening it.