# MERCO Credit Union vs Billchop

The clearest difference is in-app purchases: MERCO Credit Union at none against Billchop's 2. MERCO Credit Union also leads on ratings volume (672 vs 5). Billchop's advantage is ads (none vs shown) and update cadence (every 5 days vs every 4 months). On price, device support and iOS requirement there is nothing between them.

Both are free to download. Billchop sells 2 in-app purchases, starting at $4.99 per month. MERCO Credit Union asks for nothing beyond the download.

Billchop holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: MERCO Credit Union has 672 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 78% of MERCO Credit Union's written reviews are positive against 100% of Billchop's.

MERCO Credit Union ships an update every 4 months, Billchop every 5 days. The most recent releases landed on October 18, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | MERCO Credit Union | Billchop |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (672 ratings)](https://appshunter.io/ios/app/merco-credit-union/id1448300338/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/billchop-scan-split-settle/id6759400621/reviews)** |
| Number of ratings | **672** | 5 |
| Positive reviews | 77.8% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 4 months | **Every 5 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 187 MB | 51 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MERCO Credit Union](https://appshunter.io/developer/1448300337) | [WYATT JOHN MATSON](https://appshunter.io/developer/1878462296) |

## What reviewers say

### MERCO Credit Union

[App page](https://appshunter.io/ios/app/merco-credit-union/id1448300338)

Manage your finances on the go with secure and free access to your accounts. Check balances, review transactions, transfer funds, and pay bills conveniently from your mobile device.

**Highlights:** Check account balances, Review recent transactions, Transfer funds between accounts, View and pay bills, Secure mobile access

**Features:** Apple Wallet

**In-app purchases:** none


### Billchop

[App page](https://appshunter.io/ios/app/billchop-scan-split-settle/id6759400621)

Effortlessly split bills by snapping a photo of your receipt. AI parses items, allowing you to assign them to friends, track payments, and send requests through popular payment apps.

**Highlights:** AI receipt scanning, Item assignment to friends, Equal splitting option, Payment requests via Venmo, PayPal, etc., Payment tracking, Contact saving with payment methods, Receipt history

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly | $4.99 | per month |
| Pro Yearly | $29.99 | per year |


## Frequently asked questions

### Is MERCO Credit Union free?

MERCO Credit Union is free to download, with no in-app purchases.

### Is Billchop free?

Billchop is free to download, with in-app purchases available.

### Which has better reviews, MERCO Credit Union or Billchop?

Billchop is rated higher. MERCO Credit Union averages 4.8 out of 5 from 672 ratings, while Billchop averages 5.0 from 5 ratings.

### Do MERCO Credit Union or Billchop have ads?

MERCO Credit Union shows ads; Billchop does not.

### Which is updated more often, MERCO Credit Union or Billchop?

MERCO Credit Union ships an update every 4 months, and Billchop every 5 days. Most recently, MERCO Credit Union was updated on October 18, 2026 and Billchop on October 6, 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.*