Both sides confirm
Every record — a debt and a repayment alike — needs the other person's agreement.
For Android
A debt is part of the conversation
You don't keep debts in a separate notebook. You propose one inside the chat, the other person confirms — and from that moment you both hold the same number.
No one-sided records. That is why there is nothing to argue about.
A
Akmal
online
I lent you 200,000 yesterday, remember?
14:02Propose the debt
200,000 UZS
Yesterday, cash
✓✕
Yes, that's right. Confirmed.
14:03Confirmed — you both hold the same number now.
The problem
"I lent it to you" — "No, I paid you back"
Debts are agreed out loud, and then two memories disagree. Even a written note sits with ONE side only — the other never saw it, never agreed to it, and may not accept it later.
- The record is on one side — the other can't see it
- Partial repayments go untracked
- Reminding is awkward, so nobody reminds
How it works
Four steps, all inside the chat
- 1
Find the person
Search by username or send a friend request. Someone who isn't a contact cannot message you.
- 2
Propose the debt
From inside the chat you set the amount, a note and a due date. It isn't a debt yet — it's a proposal.
- 3
They confirm
Accepted, the record takes effect; declined, nothing is written. A one-sided debt cannot exist.
- 4
Mark the repayment
Payments are recorded the same way, and can be partial. The remainder is worked out for you.
Features
What you need, nothing more
Partial repayment
One debt can have several payments, and the balance is recalculated each time.
Due dates and reminders
A debt can carry a due date, and you get a notification as it approaches.
Contacts only
A stranger can neither message you nor propose a debt. Access comes through a friend request.
Notifications
Proposals, confirmations, refusals and due-date reminders — answer straight from the notification.
15 languages
The app speaks Uzbek, Russian, English and 12 more. Light and dark themes.
Groups
Shared expenses, split fairly
A trip, a flat, a birthday — different people pay, and who owes whom gets confusing fast. A group works it out for you.
Record the expense
Who paid and who it was for — entered once and visible to everyone in the group.
Choose how to split
Evenly, by shares, or by exact amounts — decided per expense.
Who owes whom
The group balance collapses into a single number for each member.
Settle up
When you close a group the number of transfers is kept to a minimum — you settle with one or two people, not with everyone.
Groups are still being built and are rolling out gradually in the app.
The rule
No one-sided records
This is the app's core rule and it will not change. Every number you enter passes through the other person's confirmation. A debt in Qarzer is not your word — it is the agreement between you.
Unconfirmed doesn't count
While a proposal is unanswered it has no effect on the balance.
Records are never deleted
Declined and cancelled records stay in the history — they are evidence.
One history, both sides
Every change is stored with who made it and when.
Subscription
Qarzer Pro
The core — recording a debt, confirming it and paying it back — is free and stays free. Pro is for the extended features.
About Pro
Prices vary by region and are shown in Google Play.
FAQ
Frequently asked questions
No. Every record needs the other side's confirmation. An unconfirmed proposal never reaches the balance.
No. A friend request has to be sent and accepted first. You cannot even message someone who isn't a contact.
Yes. One debt can have several payments, and the remainder is recalculated each time.
No. Deleting clears the conversation only on your side. If a record is still unconfirmed or the balance isn't zero, the chat won't delete at all.
15, including Uzbek (Latin and Cyrillic), Russian, English, Kazakh, Kyrgyz, Tajik, Turkish and others.
Android only for now. iOS is planned.
Take the argument out of lending
Install it, find your friend, and confirm the first record together.