# Deferit vs Split

The clearest difference is ads: Split at none against Deferit's shown. Split also leads on monetization model (free vs ad-supported) and review sentiment (73% vs 61%). Deferit's advantage is ratings volume (37K vs 818) and chart position (#162 vs unranked). On price, rating, update cadence 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.

On the App Store both sit at effectively the same score — 4.8 for Deferit against 4.7 for Split. That said, the two scores are not equally well evidenced: Deferit has 37K ratings behind it against 818, so its average is the more settled of the two. Written reviews are what separate them: 61% of Deferit's written reviews are positive against 73% of Split's.

Deferit ships an update fortnightly, Split every 10 days. Both last shipped on October 30, 2026.

## The numbers

| Metric | Deferit | Split |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (37K ratings)](https://appshunter.io/ios/app/deferit-pay-bills-in-4/id1454473561/reviews)** | [4.7 (818 ratings)](https://appshunter.io/ios/app/split-pay-together/id6753594526/reviews) |
| Number of ratings | **37K** | 818 |
| Positive reviews | 61.0% of reviews | **72.9% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Fortnightly | **Every 10 days** |
| Monetization | Ad-supported | **Free** |
| Best chart rank | **#162** | — |
| Size | 52 MB | 93 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [deferit Pty Ltd](https://appshunter.io/developer/1454473560) | [Split Mobile Inc.](https://appshunter.io/developer/1843900753) |

## What reviewers say

### Deferit

[App page](https://appshunter.io/ios/app/deferit-pay-bills-in-4/id1454473561)

**Currently charting:** #162 Top Free · Finance (US App Store)

Manage your bills and budget with flexibility. Upload any service bill and pay it in four smaller, manageable installments. The app also helps negotiate your bills and can report eligible on-time payments to credit bureaus to build your credit history.

**Highlights:** Pay bills in 4 installments, Upload bills via photo, screenshot, or file, Negotiate bill amounts, Build credit history with eligible payments, Supports over 20,000 billers, Manage bills from one app

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

**In-app purchases:** none

**What reviewers like**

- 💳 Helpful for paying bills in installments
- ⏱️ Fast bill payment processing
- 📆 Ability to change payment due dates
- 🤝 Friendly and responsive customer service
- 🧭 Convenient all-in-one bill management

**What reviewers complain about**

- 🕰️ Delayed bill payments due to high volume
- 🤖 Lack of phone/live chat support
- 💰 Subscription fees and processing fees
- 🚫 Issues with canceling or stopping payments
- 🤔 Unclear payment methods (online vs. check)

**Reported bugs**

- App crashes or freezes on some devices
- Inconsistent payment processing times

**Requested features**

- Expand payment options beyond utilities
- Provide virtual card for online bill payments
- Improve communication on payment status


### Split

[App page](https://appshunter.io/ios/app/split-pay-together/id6753594526)

Easily divide expenses with friends and track shared costs. This app simplifies group payments for everything from rent to vacations, allowing guests to pay via various methods even without the app. It automates reminders and provides transparent totals for stress-free financial management.

**Highlights:** Split bills with friends, Track shared expenses, Collect payments instantly, Fractional, itemized, and even splits, Guest payments via Google Pay, card, Apple Pay, Built-in receipt scanning, Automatic payment reminders

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use with friends
- 🚀 Seamless bill splitting
- 💡 Convenient and efficient
- 👍 Straightforward interface


## Frequently asked questions

### Is Deferit free?

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

### Is Split free?

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

### Which has better reviews, Deferit or Split?

Deferit is rated higher. Deferit averages 4.8 out of 5 from 37K ratings, while Split averages 4.7 from 818 ratings.

### Do Deferit or Split have ads?

Deferit shows ads; Split does not.

### Which is updated more often, Deferit or Split?

Deferit ships an update fortnightly, and Split every 10 days. Most recently, Deferit was updated on October 30, 2026 and Split on October 30, 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.*