U!Pay vs SplitFree
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
U!Pay
This e-wallet simplifies payments and money transfers directly from your smartphone. It features a new, user-friendly design with an expanded service list and a high level of security for convenient transactions.
- Instant payments
- Money transfers
- Money withdrawal
- User-friendly design
- High security
- PIN transaction approval
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Your payment system. E-wallet for simple and instant payments. An updated version of the Upay wallet launched with 1. Completely new and user-friendly design 2. Expanded list of services 3. High level of security Upay is an up-to-date e-wallet that allows users to make: - Various payments with a few taps - Money transfers directly from smartphone in a convenient, fast and safe way - Money withdrawal in 42 Upay branches Get started: - Download Upay e-wallet now - Register by entering registration details and one-time activation code - Create your PIN for easy transaction approval.
SplitFree
This app simplifies splitting expenses for groups, trips, or shared living. It tracks who paid for what and calculates the simplest way to settle debts, supporting multiple currencies and custom splits. It also offers receipt scanning and CSV import/export.
- Group expense tracking
- Simplified settlement calculations
- Multiple split methods
- Receipt scanning
- Multi-currency support
- Offline functionality
- CSV import/export
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Whether it's a week away, a shared flat, or dinner with the same four people every Friday, SplitFree tracks who paid for what and helps settle up in the fewest payments. SplitFree is completely free. It has zero ads or in-app purchases, has no sign-up, and works both offline and online. Keep a group to yourself, or share it with a code and everyone adds expenses together. SplitFree works in a variety of situations: - Priya paid for the taxi, but Sam threw in $8 toward it. Fine. - The bill came in euros and you'd rather settle in pounds. Handled. - Dan skipped the wine everyone else shared. One tap. - The flat's rent splits three ways, but Alex has the bigger room. Give them a larger share. Everything it does: (+) A clean, quick interface that stays out of the way. (+) Share a group with a code, no sign-up needed. (+) Works completely offline. (+) Six ways to split: equally, exact amounts, percentages, shares, plus and minus adjustments, or line by line off the receipt. (+) Point the camera at a receipt and SplitFree reads the items off it. (+) Over 150 currencies, converted automatically, with the rate stored per expense so old expenses never change value. (+) Handles the complicated ones, like several people paying for the same bill or one person covering an uneven share. (+) Settles everyone in as few payments as possible instead of a tangle of small ones. (+) See what a group has spent in total, by month, by category and by person. (+) Recurring expenses for rent, bills and subscriptions. (+) Import a bank or card CSV, and export everything as CSV whenever you like. (+) Search that reaches into notes, line items and scanned receipts. (+) Settle up in full or in part, then hand off to Venmo, PayPal, Cash App or UPI. (+) iCloud sync across your own devices. (+) Light and dark, Dynamic Type, VoiceOver, and an optional Face ID lock. (+) Nine languages. All features are completely free, and SplitFree is open source. If you would like to support it, please consider rating the app.
Screenshots
Verdict
The clearest difference is rating: SplitFree at 5.0 against U!Pay's 3.2. SplitFree also leads on update cadence (every 6 days vs monthly). U!Pay's advantage is ratings volume (22 vs 1) and iOS requirement (13.0 vs 18.0). On price, ads, in-app purchases and monetization model 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.
SplitFree holds the better App Store score, 5.0 against 3.2. That said, the two scores are not equally well evidenced: U!Pay has 22 ratings behind it against 1, so its average is the more settled of the two.
U!Pay ships an update monthly, SplitFree every 6 days. The most recent releases landed on October 5, 2026 and September 30, 2026 respectively.
| Parameter | U!Pay | SplitFree |
|---|---|---|
| Price | Free | Free |
| Rating | 3.2 (22 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 21.4% of reviews | — |
| Number of ratings | 22 — better | 1 |
| Update frequency | Monthly | Every 6 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 13.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 150 MB | 5 MB |
| Age rating | 4+ | 4+ |
| Developer | Ucom LLC | DEVESH AGGARWAL |
Customer experience
U!Pay
SplitFree
In-app purchases
U!Pay
No in-app purchases
SplitFree
No in-app purchases









