Frollo vs SplitStack

Start feeling good about money with tools to help you get on top of your finances, save for a goal and pay off debt. Frollo is a free money management app that can help you get ahead. It's an easy, secure and private way to see the big picture of your finances, get real-time insights and help you tilt the balance towards smart savings. Join over 145,000 other Australians who are using one app to effectively manage all things money. No ads. No subscriptions. No catch. Enjoy a seamless free experience with no interruptions. Frollo is built for you, not for advertisers and is 100% focused on your financial mastery. Secure by design Frollo uses bank-grade security and encryption and never sees or stores your banking passwords. Read-only access means your money can never be moved or changed in any way. Real success, real impact • Within the first three months, Frollo users increased their savings by an average of $1,042.* • Within the first six months, Frollo users reduced their credit card debt by an average of $212. Link your accounts with Open banking (CDR)** Frollo uses the Consumer Data Right (Open Banking) to link your accounts. This is a fast, safe and secure way to share financial data, without giving out your account credentials. You are in control and you decide what data to share and for how long. It is also easy to delete your data. All your accounts in one place, in real time Link all your financial accounts (transaction, savings, credit card, loans, super, investments and more) and see them all in one place in real time. Dive deeper into each account and view its historical balance to gauge how you’re progressing over time. See where your money is going View detailed breakdowns of your transactions, automatically categorised into convenient groups such as 'Salary', 'Groceries' and 'Gym & Fitness', and see how they have changed over time. You can also create your own custom categories and edit existing ones to better suit how you view your money. View your net worth In addition to linking accounts, you can also add assets and liabilities (property, vehicles, loans and more) to your portfolio to calculate your net worth. Stay on top of recurring bills Keep track of your regular payments and when they're due. Whether it's your rent, Netflix or energy bill, you won't get caught out. Set up budgets and goals Create and track budgets for your spending, or set goals to save for a holiday, a house deposit or an emergency fund. Securely share your data with your mortgage broker Give your mortgage broker a full view of your finances so they can help you complete your loan application faster. Get insider tips and insights Get alerts and tips when you have insufficient funds for upcoming bills, can save on subscriptions, or have spent more than usual on groceries. Download a detailed PDF snapshot of your finances A comprehensive report outlining your complete financial position that you can take to brokers and lenders to streamline your lending applications. * Frollo users with under $100k in savings. ** Open Banking is currently available for the majority of Australian banks and financial institutions. We'll continue to add new providers as they become available. If a provider isn't yet available on Open Banking, we will provide access via screen scraping.

SplitStack is the easiest way to collect money from your group for dinners, trips, gifts, household bills and everything in between. Create a Stack, enter what each person owes, and SplitStack sends everyone a secure payment link by SMS. Friends pay in seconds using their card, Apple Pay or Google Pay. No app download, no sign-up and no bank details are shared. Watch payments arrive in real time while the money settles directly into your bank account. WHY SPLITSTACK • Set up a Stack in under a minute. Name the bill, add your group and hit send. • Friends pay with one tap using card, Apple Pay or Google Pay through secure Stripe Checkout. • No app required for payers. They simply tap the SMS link and pay. • Track payments live and instantly see who has paid and who hasn't. • Automatic reminders take the awkwardness out of chasing people. • Funds settle directly into your bank account. TRAVEL MODE Travelling with friends? Travel Mode keeps track of shared expenses for the entire trip. Anyone can add expenses in any currency, and at the end SplitStack calculates exactly who owes what using a single exchange rate so everyone pays their fair share. • Log expenses as they happen in any currency. • View live balances for every traveller. • Settle the entire trip with a single payment. • Fair, transparent calculations with every cent accounted for. SECURE PAYMENTS Payments are securely processed by Stripe, one of the world's most trusted payment platforms. SplitStack never stores or sees your card details. Identity verification for organisers is handled securely by Stripe in accordance with Australian financial regulations. Currently available for organisers in Australia, with participants able to pay securely from anywhere in the world. Questions? We'd love to hear from you at support@splitstack.com.au.