# Chipp: Split Bills & Expenses — Scan receipts & settle up IOUs > App for tracking, splitting, and settling group expenses among friends. (iPhone/iPad app by Chipp LLC.) - Source: https://appshunter.io/ios/app/chipp-split-bills-and-expenses/id6636520980 (this page in markdown: same URL + `.md`) - Developer: [Chipp LLC](https://appshunter.io/developer/1762962073) - Category: Finance, Lifestyle - Price: Free - Rating: 4.10/5 from 18 App Store ratings · 11 written reviews indexed - Age rating: 4+ - Requires: iOS 14.0 · 186 MB - Languages: American English - Released: 2025-01-28 - Data updated: 2026-10-19 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/chipp-split-bills-and-expenses/id6636520980/reviews.md ## What is Chipp? Chipp is the fastest way to split bills, scan receipts, and get paid back. Send an expense by chat, voice note, or photo and Chipp does the math, tracks who owes who, and settles everyone up with one swipe. SPLIT BILLS BY CHAT, VOICE OR PHOTO Type it, say it, or snap it. Dinner, rent, tickets, groceries: Chipp turns any message into a tracked expense and splits it fairly in seconds. Equal, unequal, by shares or by item. SCAN RECEIPTS, PAY ONLY FOR WHAT YOU HAD Scan the bill, then just say who had what. Chipp reads every line, splits tax and tip, and shares a link so friends can claim their items and pay you back, even without the app. GROUPS FOR TRIPS, ROOMMATES AND COUPLES Make a room for every crew: feed, chat, and balances in one place, with Chipp AI right in the thread. Add expenses as you go and Chipp keeps a running tally of who owes whom. GET PAID BACK WITHOUT ASKING TWICE Smart nudges remind friends for you. Settle several people at once and watch balances hit zero in a single swipe. PAY THE WAY YOUR CREW PAYS Settle over Venmo, Cash App, Zelle, PayPal, UPI, Pix, PayNow and more. Chipp opens the right app pre-filled and records the payment. Or pay in-app with your Chipp balance and let friends cash out to their bank. MONEY POOLS FOR ANYTHING Collect for a gift, a trip, or rent. Set a goal, share one link, and anyone can chip in. Watch the pool fill up in real time. ALL YOUR MONEY, IN ONE CHAT Securely link your banks and cards, then ask Chipp anything: this month's spending, rising subscriptions, upcoming bills, or where your money went. Clear answers with beautiful charts, instantly. TAP ANY TRANSACTION TO SPLIT See a card charge you shared? Tap it to split with friends or add it to a group. No retyping amounts, ever. PRIVATE AND SECURE Bank connections use trusted, read-only access. Lock the app with Face ID. Chipp never sells your data, and nothing moves without your approval. CHIPP+ AND CHIPP CIRCLE Chipp is free to use. Chipp+ unlocks unlimited receipt scans, unlimited Chipp AI, repeating expenses and linked accounts. Chipp Circle extends everything to every member of the groups you own. Monthly and yearly plans are available, with a free trial on the yearly Circle plan. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period and are managed in your App Store account settings. Terms: https://chipp.it/terms-and-conditions/ Privacy: https://chipp.it/privacy-policy.html Download Chipp and make your next group expense the easiest one yet. ## Key features - Tap-to-split interface - Find friends nearby - Create shared expense groups - Split rent and utilities - Manage travel expenses - Scan receipts for dinner bills - Handle partial splits ## Is Chipp safe? Not enough ratings yet to assess Chipp. ## Is Chipp legit? Chipp: Split Bills & Expenses appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Chipp is 65 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (10 of 11) All indexed reviews: https://appshunter.io/ios/app/chipp-split-bills-and-expenses/id6636520980/reviews.md ### 5/5 — I love the new update *2026-10-15* I’ve been using this app for over a year and I really like the new version. It has helped me keep track of my personal expenses and manage all my shared bills. The card linking has been very useful to see all finances in one place. ### 1/5 — Does Not Work *2026-09-22* I tried to send money and it keeps saying payment failed so my money is stuck in the app, do not recommend. ### 1/5 — Where is my money! *2025-12-20* Not only is the interface extremely confusing (you can accidentally mark settle VERY easily…almost as it were purposely to easy…after inputting a new shared expense), but they access your entire account, including showing all your bank account transactions on the app (WHY?!). And here’s the kicker… my partner settled up and the deny has left her back account. It’s been 10 days and I’ve seen nothing on my end, not even a notification. Absolutely NOT lightning fast. The phone number is a Google Voice number…lol…if that doesn’t seem fishy… I am deleting this app as soon as I get the missing settlement figured out. ### 1/5 — Can’t unlink account *2025-10-29* Decide I didn’t want to use the app and tried to unlink my account. The app kept giving an error and still has my account. ### 5/5 — Very useful *2025-07-29* Makes it very easy to get money back from friends without it being awkward! The app just notifies them. ### 5/5 — Very reliable! *2025-07-26* I used this app with my roommates and we settle all our expenses using this app. ### 5/5 — Fantastic UI & Essential Features! *2025-05-06* Chipp stands out with its superior user interface – it's clean, fast, and so much better than other splitters. What makes it even better are practical features like AI-powered receipt scanning for easy expense entry and the ability to settle debts via bank transfer right within the app. It makes splitting bills and getting paid back remarkably simple and efficient. A 5-star experience all around! ### 5/5 — The next thing *2025-04-03* Simple initial setup Linked accounts in seconds Solves an expense issue I deal with daily. Chipp is essential like Venmo, PayPal, Cashapp etc…. ### 5/5 — Pretty cool and very easy to use *2025-03-24, version 2.0.1* I have used this app on a few occasions with my roommates and for meals with friends. So far I have liked the interface and would recommend. Will be exploring the app more ### 4/5 — Finally, an easy way to split expenses *2025-03-11, version 2.0.1* This app makes it so much easier to split costs with friends. Connecting accounts is simple, and everything stays organized without the usual back-and-forth. The design is clean and modern, which makes it feels snappy to use. Definitely the best way to keep track of shared expenses! ## Frequently asked questions about Chipp ### How does Chipp handle security for financial transactions? While the provided data does not detail specific security protocols, the app is designed for expense tracking and settlement. Users should always ensure they are using the app on secure networks and be mindful of sharing sensitive financial information. ### What types of transactions can Chipp track? Chipp can track a wide variety of group expenses, including rent, utilities, groceries, travel costs, dinner bills, and shared subscriptions like Netflix or Spotify. ### Can Chipp be used to split expenses with people I don't know personally? Chipp's 'find friends nearby' feature suggests it's optimized for known contacts. For splitting with strangers, you would likely need to manually input their details or use alternative methods for settlement. ### How often is Chipp updated? The latest version of Chipp was released on August 28, 2025, indicating recent development activity. Updates typically address bugs, introduce new features, and improve performance. ### What devices does Chipp support? Chipp is available for iPhone, iPad, and iPod devices, making it accessible to a wide range of Apple users. ### What is the age rating for Chipp? Chipp has an age rating of 4+, making it suitable for users of all ages. ### Does Chipp have ads? No, Chipp does not contain advertisements. ### What do users like most about Chipp? Based on the description, users likely appreciate its lightning-fast interface, ease of use for splitting various types of expenses, and the ability to settle up instantly with friends. ## Version history (last 5 releases) ### 7.4.3 — 2026-10-12 - Adding an expense now returns you to where you started, every time. - Unequal splits can no longer go past the expense total, and edits stick. - Faster friend list, smoother drawers across the app. - Sign-up no longer gets stuck at the phone number step. - Friend chats show your friend's name in the home feed. - Your own receipt links open the itemize board. - Small iPad polish. ### 7.4.2 — 2026-10-09 - Sign-up no longer gets stuck at the phone number step. - Friend chats show your friend's name in the home feed. - Your own receipt links open the itemize board. - Small iPad polish. ### 7.4.0 — 2026-10-05 The biggest Chipp update yet. - Meet Chipp in Messages: turn on texts and Chipp checks in when something needs you, a split to settle, a friend who paid you back, or spending worth a look. Just reply. - Receipts, reimagined: scan a bill, then just say who had what. Share a link so friends can claim their items, no app needed. - Ask Chipp anything: spending, earnings, trips, subscriptions, and balances answered in one chat. - Money pools: collect for gifts and trips, anyone can chip in via link. - Tap any card transaction to split it or add it to a group. - Faster paybacks: smart nudges, settle several friends at once, and pay over Venmo, Cash App, Zelle, PayPal, or UPI. - A fresh design across home, groups, and trips. ### 3.1.9 — 2025-08-28 - Improved security and stability of banking features ### 3.1.8 — 2025-08-25 - Bug fixes - Send money flow had issues when adding friends from contacts - Settling in group expenses. ## Apps similar to Chipp | App | Rating | Price | Category | | --- | --- | --- | --- | | [SpendZen: Budget & Expense](https://appshunter.io/ios/app/spendzen-budget-and-expense/id6741732915) | 5.0 (6) | Free | Finance | | [Fineyo: Expense Tracker](https://appshunter.io/ios/app/fineyo-expense-tracker/id1663166940) | 5.0 (11) | Free | Finance | | [CashLens: Expense Tracker](https://appshunter.io/ios/app/cashlens-expense-tracker/id6743153951) | 4.8 (6) | Free | Finance | | [Spending Tracker - Budget Ally](https://appshunter.io/ios/app/spending-tracker-budget-ally/id6739544357) | 3.0 (2) | Free | Finance | | [Budget & Money Planner](https://appshunter.io/ios/app/budget-and-money-planner/id6608966569) | 5.0 (2) | Free | Finance | | [Fen: Finance Tracker](https://appshunter.io/ios/app/fen-finance-tracker/id6590603976) | 4.8 (4) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-19.*