Aqua credit card vs SplitBook
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Aqua credit card
Easily manage your credit card account on the go. View balances, transactions, and make payments. Set up Direct Debits, manage statements, and update your contact details. Get support and access FAQs directly within the app.
- View balance and credit limit
- Track transactions (pending and posted)
- Make payments
- Set up/manage Direct Debit
- Manage statement preferences
- Update contact details
- Access FAQs and contact support
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Manage your account anywhere, anytime, with our secure mobile app. Free to download now, we have lots of features to enable you to manage your account easily: - View your latest balance and available credit limit - View your latest transactions, including transactions that are still pending - Make a payment on your account - Set up or manage your Direct Debit - Manage your statement preferences - Update your contact details - Get in contact with us and view our FAQs Registered for Online Account Manager already? If you’re registered for Online Account Manager already then you’ll be able to use these details to login. No need to re-register! Not Registered for Online Account Manger? If you’re not registered for Online Account Manager then no problem! Download the app and click ‘Register for Online Account Manager’. You’ll need the following details to hand: - Last name - Date of birth - Postcode - Your card details OR your account number
SplitBook
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SplitBook makes it easy for households to track shared expenses, split costs fairly, and settle up — all synced across everyone's devices through iCloud. No accounts to create, no subscriptions. Add your household members, start logging expenses, and let SplitBook handle the math. FLEXIBLE SPLITTING • Split equally among everyone checked, payer included • "For members" when you paid for someone else's share • By exact amounts when shares aren't even — with built-in math (+, −, ×, ÷) to add up a restaurant bill on the fly • Or keep an expense as the payer's own • Vendor suggestions remember where you shop and the category you used last time SEE WHERE YOUR HOUSEHOLD STANDS • Plain-English balances: who owes whom, at a glance • Recent activity for expenses and payments • Spending by category, from this month to all time SETTLE UP • Record payments between members and apply them to specific expenses • Expenses show when they're partially or fully settled, with a clear trail SHARE WITH YOUR HOUSEHOLD • Invite family or roommates through Messages or Mail — only the people you invite can join • Changes sync automatically through iCloud • Works offline and catches up when you reconnect • The owner decides who can add new members, and can stop sharing anytime MAKE IT YOURS • Custom categories with your choice of icon • Optional notifications when someone adds an expense or payment, or joins • Light, Dark, or system appearance • Backup and restore your whole household to a file PRIVATE BY ARCHITECTURE Your data lives on your device and syncs only through your personal iCloud and the household members you invite. No third-party servers, no analytics, no tracking, no accounts. Your finances stay between you and your household. SplitBook is a ledger: it tracks who owes whom, but it doesn't move money. Questions or feedback: splitbook@mentalhygienist.app
Screenshots
Verdict
The clearest difference is update cadence: Aqua credit card at weekly against SplitBook's every 2 months. Aqua credit card also leads on iOS requirement (15.0 vs 18.0). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Aqua credit card ships an update weekly, SplitBook every 2 months. The most recent releases landed on November 1, 2026 and October 28, 2026 respectively.
| Parameter | Aqua credit card | SplitBook |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (325 ratings) — better | — |
| Positive reviews | 65.8% of reviews | — |
| Number of ratings | 325 — better | — |
| Update frequency | Weekly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 162 MB | 2 MB |
| Age rating | 17+ | 4+ |
| Developer | NewDay Ltd | Jared Ferguson |
Bugs and requests
Aqua credit card
Reported bugs
4 issues- Face ID suddenly stopped working
- App not recognizing passcode
- Transactions not updating in real-time
- System unavailable errors when trying to access account
Requested features
4 requests- Dark mode option
- Ability to delete read messages
- More payment options
- Improved app stability and performance
SplitBook
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Aqua credit card
No in-app purchases
SplitBook
No in-app purchases









