Comparison

POSB digibank vs Splentra

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

POSB digibank

Manage your finances with this comprehensive banking app. Easily open accounts, transfer money internationally with no fees, and track your spending. Get personalized insights, investment advice, and even simulate future financial goals.

Highlights
  • Quick account setup
  • View balance without login
  • International money transfers
  • Apply for accounts and loans
  • Personalized financial insights
  • Digital investment advice
  • Sustainability tracking
Features
Read full description

SET UP YOUR DIGIBANK APP IN UNDER 3 MINUTES. (3 STEPS) - Step 1: Download DBS digibank app - Step 2a: Existing customer: Register with your DBS ATM/Debit/Credit Card number and PIN, or via SingPass Face Verification (Singaporean/PR only) - Step 2b: New customer: Sign up with MyInfo and start banking with a bank account, debit card, PayNow and PayLah! (for all nationalities – NEW!) - Step 3: Set up your Digital Token and you’re done! EVERYDAY BANKING MADE SIMPLE. - Peek at account balance without logging in - Open just one fixed deposit account for all currencies and change your maturity instruction in real-time - Apply for accounts, loans and credit cards - Get multiple products and services at one go with Starter Packs - Transfer money overseas with DBS Remit – same-day transfers, S$0 fees - Save time with Smart Shortcuts, based on your top actions - Move seamlessly between digibank and PayLah! with just a one-time login SMART SERVICES PERSONALISED TO YOU. - Manage money better, from paying bills and subscriptions, to tracking cashflow and growing your money with personalised insights - Get reminders on upcoming payments, insights on possible duplicated payments and sudden bill increases - Verify your transactions securely with Digital Token - Chat with digibot for help on your account, transactions, or even loan application – on-demand 24/7 - With the new insights tab, you get improved links and prefilled information. We’re making the next step in your banking journey more convenient, so you can focus on what matters the most. NAVIGATE MONEY WITH CONFIDENCE. - Investing in digiPortfolio has never been easier. You can now invest in new portfolios or monitor existing ones on-the-go. - Get a financial overview with personalised insights to help achieve your financial goals on our newly designed dashboard - View 'Your Net Worth' to see the big picture of your money, including other banks and government accounts - Make your money work harder with Singapore’s first digital investment advice feature - Looking to buy your first home? Simulate how this goal affects your future cashflow and CPF balances 10, 20 years down the road SUSTAINABILITY MADE EASY, AFFORDABLE AND MORE REWARDING - Living sustainably doesn’t have to be inconvenient. - Track, Offset, Invest and Give Better with just one tap. - Learn how you can lead a greener lifestyle with bite-sized tips on-the-go. - Gain access to green deals right at your fingertips. - Make the world a better place with DBS LiveBetter!

About

Splentra

Features
Read full description

Splentra makes splitting bills, tracking shared expenses, and settling up with friends, roommates, and travel companions effortless. Create a group, log an expense, choose how to split it — and always know exactly who owes whom. Whether you're splitting rent with roommates, budgeting a group trip, running shared household costs, or tracking IOUs with friends, Splentra keeps every payment, balance, receipt, and conversation organized in one place. SMART DASHBOARD • See your overall balance at a glance • Instantly view what you owe and what's owed to you • Live balances across every group • Quick access to your most active groups FLEXIBLE EXPENSE SPLITTING • Split expenses equally, by exact amount, or by custom percentage • Choose who paid and who's involved in every expense • Preview each person's share before you save • Multi-currency support with searchable currency picker GROUP EXPENSE MANAGEMENT • Create groups for trips, homes, couples, or events • Add members from your contacts • Full expense timeline per group • Settle balances directly in the app • Share a group code to invite others instantly FRIENDS & CONTACTS • Add friends from your phone contacts • Private one-to-one expense tracking • Filter friends by outstanding, owed, or settled balances • Auto-connect with matching Splentra users RECEIPTS & RECORDS • Attach receipt photos from camera or library • Preview receipts inside expense details • Full edit history for every shared payment EXPENSE INSIGHTS • Monthly spending trends • Compare current vs. previous periods • Per-person contribution and split breakdowns • See if you're spending above or below average COMMENTS & ACTIVITY • Discuss expenses right inside the group • Real-time activity feed keeps everyone in sync BALANCES & SETTLEMENTS • Simplified group balances • Record settlements between members • Full history of settled and outstanding balances PDF REPORTS • Generate detailed expense reports with split breakdowns and receipts • Perfect for reimbursements, taxes, or group records QR CODE CONNECT • Share your personal Splentra QR code • Scan to link with another user in seconds SECURITY & PERSONALIZATION • App lock via Face ID, Touch ID, or passcode • Light and dark mode • Available in 15 languages including English, Spanish, German, French, Arabic, Chinese, and more, with right-to-left support SPLENTRA PRO • 3-day free trial for eligible new users • Weekly, monthly, or yearly subscription • Unlock premium expense-sharing features Payment is charged to your App Store account. Subscriptions renew automatically unless cancelled at least 24 hours before the renewal date, in your App Store account settings. Manage or cancel anytime. Privacy Policy: https://belymoninfotech.com/app/splentra/privacypolicy.html Terms of Use: https://belymoninfotech.com/app/splentra/termsofuse.html

Screenshots

POSB digibank4 screens
Splentra4 screens

Verdict

The call

The clearest difference is in-app purchases: POSB digibank at none against Splentra's 3. Splentra's advantage is update cadence (fortnightly vs every 5 weeks). On price, ads, device support and iOS requirement 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Splentra sells 3 in-app purchases, starting at $4.99 per 7 days. POSB digibank asks for nothing beyond the download.

UpkeepUpdate frequency

POSB digibank ships an update every 5 weeks, Splentra fortnightly. The most recent releases landed on October 20, 2026 and October 1, 2026 respectively.

Scorecard2 real differences · 8 level
POSB digibank versus Splentra: the parameters behind the verdict, then further details
ParameterPOSB digibankSplentra
PriceFreeFree
Rating4.7 (793 ratings) — better—
Positive reviews53.8% of reviews—
Number of ratings793 — better—
Update frequencyEvery 5 weeksFortnightly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPod, Apple Watch — betteriPhone, iPod
Requires iOS15.0 — better15.6
Further details — not scored
Size403 MB65 MB
Age rating4+4+
DeveloperDBS Bank Ltd.kishan italiya

Bugs and requests

POSB digibank

Reported bugs

3 issues
  • App freezing and crashing
  • Incompatibility with iOS updates
  • Digital token setup issues

Requested features

3 requests
  • Ability to change registered email
  • Improved keyboard functionality
  • Overseas transfer feature fix

Splentra

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

POSB digibank

No in-app purchases

3 purchases

Splentra

Subscriptions3
  • Weekly3 Days trial$4.997 Days
  • Monthly3 Days trial$12.991 Month
  • Yearly3 Days trial$39.991 Year

Questions

Is POSB digibank free?
POSB digibank is free to download, with no in-app purchases.
Is Splentra free?
Splentra is free to download, with in-app purchases available.
Do POSB digibank or Splentra have ads?
Neither POSB digibank nor Splentra shows ads.
Which is updated more often, POSB digibank or Splentra?
POSB digibank ships an update every 5 weeks, and Splentra fortnightly. Most recently, POSB digibank was updated on October 20, 2026 and Splentra on October 1, 2026.

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