Comparison

U!Pay vs SplitFree

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

Head to head
About

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.

Highlights
  • Instant payments
  • Money transfers
  • Money withdrawal
  • User-friendly design
  • High security
  • PIN transaction approval
Features
Read full description

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.

About

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.

Highlights
  • Group expense tracking
  • Simplified settlement calculations
  • Multiple split methods
  • Receipt scanning
  • Multi-currency support
  • Offline functionality
  • CSV import/export
Features
Read full description

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

U!Pay4 screens
SplitFree4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

U!Pay ships an update monthly, SplitFree every 6 days. The most recent releases landed on October 5, 2026 and September 30, 2026 respectively.

Scorecard4 real differences · 6 level
U!Pay versus SplitFree: the parameters behind the verdict, then further details
ParameterU!PaySplitFree
PriceFreeFree
Rating3.2 (22 ratings)5.0 (1 ratings) — better
Positive reviews21.4% of reviews—
Number of ratings22 — better1
Update frequencyMonthlyEvery 6 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS13.0 — better18.0
Further details — not scored
Size150 MB5 MB
Age rating4+4+
DeveloperUcom LLCDEVESH AGGARWAL

Customer experience

U!Pay

All ratings22 ratings
Positive50.0%
Neutral9.1%
Negative40.9%
Written reviews14 reviews
Positive21.4%
Neutral7.1%
Negative71.4%

SplitFree

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

U!Pay

No in-app purchases

None

SplitFree

No in-app purchases

Questions

Is U!Pay free?
U!Pay is free to download, with no in-app purchases.
Is SplitFree free?
SplitFree is free to download, with no in-app purchases.
Which has better reviews, U!Pay or SplitFree?
SplitFree is rated higher. U!Pay averages 3.2 out of 5 from 22 ratings, while SplitFree averages 5.0 from 1 ratings.
Do U!Pay or SplitFree have ads?
Neither U!Pay nor SplitFree shows ads.
Which is updated more often, U!Pay or SplitFree?
U!Pay ships an update monthly, and SplitFree every 6 days. Most recently, U!Pay was updated on October 5, 2026 and SplitFree on September 30, 2026.

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