# PhonePe vs SplitMint

The clearest difference is iOS requirement: PhonePe at 17.1 against SplitMint's 26.2. On price, update cadence, ads and in-app purchases there is nothing between them.

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

PhonePe ships an update every 5 days, SplitMint every 3 days. The most recent releases landed on November 1, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | PhonePe | SplitMint |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (177K ratings)](https://appshunter.io/ios/app/phonepe-upi-gold-insurance/id1170055821/reviews)** | — |
| Number of ratings | **177K** | — |
| Positive reviews | 68.2% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 days | **Every 3 days** |
| Monetization | Free with in-app purchases | — |
| Size | 355 MB | 7 MB |
| Requires iOS | **17.1** | 26.2 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [PHONEPE PRIVATE LIMITED](https://appshunter.io/developer/1170055820) | [Brijeshkumar Patel](https://appshunter.io/developer/1869872794) |

## What reviewers say

### PhonePe

[App page](https://appshunter.io/ios/app/phonepe-upi-gold-insurance/id1170055821)

This app facilitates secure digital payments, including UPI transfers, mobile and utility bill recharges, and online/offline purchases. It also offers investment options in mutual funds and insurance policies.

**Highlights:** BHIM UPI money transfers, Mobile and DTH recharges, Utility bill payments, Online and offline QR code payments, Mutual fund investments, Insurance policy purchases, Gift card purchases

**In-app purchases:** none

**What reviewers like**

- 🚀 Instant payments
- 👍 User-friendly interface
- 🔒 Secure transactions
- 💡 Diverse payment options
- 🚀 Fast and convenient

**What reviewers complain about**

- 🐛 Transactions failing or pending
- 🔍 Lack of customer support
- 🔍 Difficult to resolve issues
- 🔍 Unreliable service
- 🔍 Inconsistent performance

**Reported bugs**

- Unable to link bank accounts or cards
- Verification issues with non-Indian phone numbers
- Transactions getting stuck or not completing
- Wallet balance not updating correctly
- App crashes or freezes during use

**Requested features**

- Add support for international phone numbers
- Improve transaction history and record-keeping
- Provide more transparency on payment status
- Enhance security measures for NRI accounts
- Streamline the account verification process


### SplitMint

[App page](https://appshunter.io/ios/app/splitmint-expense-split/id6757949356)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is PhonePe free?

PhonePe is free to download, with no in-app purchases.

### Is SplitMint free?

SplitMint is free to download, with no in-app purchases.

### Do PhonePe or SplitMint have ads?

Neither PhonePe nor SplitMint shows ads.

### Which is updated more often, PhonePe or SplitMint?

PhonePe ships an update every 5 days, and SplitMint every 3 days. Most recently, PhonePe was updated on November 1, 2026 and SplitMint on October 31, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*