# HSBC India vs Splitkaro

The clearest difference is in-app purchases: HSBC India at none against Splitkaro's 10. HSBC India also leads on ratings volume (1.7K vs 59). Splitkaro's advantage is review sentiment (78% vs 46%). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Splitkaro sells 10 in-app purchases, starting at $2.00 per month. HSBC India asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.9 for HSBC India against 4.9 for Splitkaro. That said, the two scores are not equally well evidenced: HSBC India has 1.7K ratings behind it against 59, so its average is the more settled of the two. Written reviews are what separate them: 46% of HSBC India's written reviews are positive against 78% of Splitkaro's.

HSBC India ships an update monthly, Splitkaro every 6 weeks. Both last shipped on October 17, 2026.

## The numbers

| Metric | HSBC India | Splitkaro |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (1.7K ratings)](https://appshunter.io/ios/app/hsbc-india/id1449573898/reviews) | [4.9 (59 ratings)](https://appshunter.io/ios/app/splitkaro-split-expenses/id1573115695/reviews) |
| Number of ratings | **1.7K** | 59 |
| Positive reviews | 46.1% of reviews | **78.5% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Monthly** | Every 6 weeks |
| Monetization | Free with in-app purchases | Freemium |
| Size | 728 MB | 82 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [HSBC Global Services (UK) Limited](https://appshunter.io/developer/1112071557) | [Splitkaro Private Limited](https://appshunter.io/developer/1573115697) |

## What reviewers say

### HSBC India

[App page](https://appshunter.io/ios/app/hsbc-india/id1449573898)

Manage your finances securely and conveniently with this mobile banking app. Open accounts, transfer funds globally, invest in mutual funds, and redeem rewards all from your device.

**Highlights:** Online banking registration, Touch ID / Face ID login, Account summary view, Digital Secure Key, Fully digital account opening, Global money transfers, Mutual fund investments, Reward point redemption

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Excellent online banking app
- 👍 Great customer service
- 👍 Simple layout and easy to use
- 👍 Seamless user experience
- 👍 Prompt service

**What reviewers complain about**

- 🐛 Limited features and scaling back in India
- 🐛 Worst NRE Relationship Manager
- 🐛 Unable to transfer funds over 2 Lakhs
- 🐛 Can't log in, app not working
- 🐛 Separate app for UPI, not integrated

**Reported bugs**

- Can't log in, app not working
- Broken for last 24 hours
- App no longer works, doesn't show credit card info
- App stopped working on iOS 12
- Unable to download app

**Requested features**

- Provision for recurring money transfer
- All internet banking features in mobile app
- Widget support for quick balance check
- Option to set PIN for add-on cards


### Splitkaro

[App page](https://appshunter.io/ios/app/splitkaro-split-expenses/id1573115695)

Effortlessly manage shared expenses with friends, roommates, or family. This app simplifies bill splitting, tracks personal and group costs, and provides smart payment reminders to avoid awkward money conversations.

**Highlights:** Intelligent payment reminders, One-tap bill import from popular services, Item-wise bill splitting, Auto expense tracking via SMS, Group chat and money sharing, Graphs, charts, and analytics, Import balances from other apps

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

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $2.00 | per month |
| Monthly Subscription | $4.00 | per month |
| Splitkaro Subscription | $0.99 | one-time |
| Trail Plan | $1.00 | one-time |
| Monthly Plan | $4.00 | one-time |
| Quarterly Plan | $5.00 | one-time |
| Yearly Plan | $12.00 | one-time |
| Yearly Plan Onboard | $12.00 | one-time |
| Yearly Plan Day1 | $12.00 | one-time |
| Annual Premium Plan | $15.00 | one-time |


## Frequently asked questions

### Is HSBC India free?

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

### Is Splitkaro free?

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

### Which has better reviews, HSBC India or Splitkaro?

HSBC India and Splitkaro are both rated 4.9 out of 5 on the App Store, from 1.7K and 59 ratings respectively.

### Do HSBC India or Splitkaro have ads?

Neither HSBC India nor Splitkaro shows ads.

### Which is updated more often, HSBC India or Splitkaro?

HSBC India ships an update monthly, and Splitkaro every 6 weeks. Most recently, HSBC India was updated on October 17, 2026 and Splitkaro on October 17, 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.*