Upgrade vs SplitEasy
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Upgrade
Manage your finances with a comprehensive mobile banking app. Access rewards checking, loans, and cards. Track balances, pay bills, monitor credit, and request cash advances.
- Cash back rewards on card purchases
- Manage personal loans and credit lines
- Track credit score and receive alerts
- High-yield savings accounts
- Cash advance requests
- Bill payment and balance checking
Read full descriptionHide full description
Get easy and rewarding mobile banking all in one place! Open a high-yield savings account, check balances, pay bills, track cash back and manage loans, cards and more. Upgrade is a financial technology company, not a bank. • Track Rewards – Earn cash back rewards on credit card purchases¹ • Manage Credit Card, Personal Loan, Flex Pay buy now pay later, Upgrade Card, Auto Finance, Auto Refinance and Home Improvement accounts. Make payments and check your balance. • Sign up for Credit Health to monitor your credit score, get notified of changes, and use our simulator to see how different actions may impact your score. Share feedback at mobile_app_feedback@upgrade.com Personal Loan offers shown assume an APR of 12% and a term of 36 months for Faster Payoff and 48 months for Lower Payment. Personal Loan offers are subject to approval. For more information on Personal Loans through Upgrade visit https://www.upgrade.com/personal-loans/. ¹ Purchases accrue cash back when you pay them back. Certain limitations apply. See Upgrade.com for full Upgrade Cash Back Rewards Program details. All loans, credit cards, personal credit lines, and checking and savings accounts are provided by Upgrade's bank partners (www.upgrade.com/bank-partners/). Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses (upgrade.com/State-Licenses) and does business under the following DBAs (https://www.upgrade.com/dba). Upgrade is a financial technology company, not a bank (https://www.upgrade.com/help/about-upgrade/overview/is-upgrade-a-bank/).
SplitEasy
Effortlessly split bills and receipts by scanning them with your phone. The app automatically identifies items, tax, and tip, then calculates individual shares. Share itemized PDFs of who owes what, making group payments quick and easy.
- Scan receipts with camera or photo library
- Automatic item, tax, and tip detection
- Manual item assignment or even split
- Calculates exact individual shares
- Generates itemized PDF reports
- Saves drafts for ongoing splits
- Integrates with payment apps like Venmo/Zelle
Read full descriptionHide full description
Splitting a bill shouldn't take longer than the meal did. SplitEasy scans any receipt — printed or handwritten — and reads every item, the tax, and the tip automatically. Tap who had what, or split evenly with one tap, and SplitEasy works out exactly who owes what, including a proportional share of tax and tip. HOW IT WORKS • Take a photo or pick one from your library — SplitEasy reads it in seconds • Review the items, prices, tax, and tip — everything's editable if anything needs a fix • Add who's splitting and tap their items, or split the whole bill evenly • Get an exact total for everyone, ready to share as a clean, itemized PDF BUILT FOR HOW RECEIPTS ACTUALLY LOOK • Reads handwritten tip lines on a card slip, not just printed totals • Folds add-ons like "+ Extra Cheese" into the right item instead of listing them separately • Flags it if the numbers don't add up, instead of guessing silently NEVER LOSE A SPLIT IN PROGRESS Every scan is saved as a draft the moment it's read. Close the app mid-split and pick up right where you left off, on any device you sign into. GET PAID BACK FASTER Share a clean PDF with everyone's exact share, plus your Venmo or Zelle — remembered for next time.
Screenshots
Verdict
The clearest difference is update cadence: SplitEasy at daily against Upgrade's every 11 days. SplitEasy also leads on monetization model (free vs free with in-app purchases). Upgrade's advantage is ratings volume (84K vs 1) and chart position (#139 vs unranked). On price, rating, ads and in-app purchases 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.
On the App Store both sit at effectively the same score — 4.9 for Upgrade against 5.0 for SplitEasy. That said, the two scores are not equally well evidenced: Upgrade has 84K ratings behind it against 1, so its average is the more settled of the two.
Upgrade ships an update every 11 days, SplitEasy daily. The most recent releases landed on October 23, 2026 and October 11, 2026 respectively.
| Parameter | Upgrade | SplitEasy |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (84K ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 53.0% of reviews | — |
| Number of ratings | 84K — better | 1 |
| Update frequency | Every 11 days | Daily — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Best chart rank | #139 — better | — |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.1 — better | 26.0 |
| Further details — not scored | ||
| Size | 93 MB | 6 MB |
| Age rating | 17+ | 4+ |
| Developer | Upgrade, Inc. | AIJob, Inc. |
Customer experience
Upgrade
SplitEasy
Bugs and requests
Upgrade
Reported bugs
2 issues- Login issues and inability to reset passwords
- Discrepancies between app and website information
Requested features
3 requests- Ability to lock/unlock debit and credit cards
- Instant access to deposited funds
- Improved app stability and user experience
SplitEasy
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Upgrade
No in-app purchases
SplitEasy
No in-app purchases









