Comparison

Stake vs Split Pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Stake

Earn cash back and rewards simply by paying your rent. This app allows you to track your earnings, see upcoming rewards, and manage your finances more effectively. Access exclusive community events and learn more about maximizing your rental benefits.

Highlights
  • Cash back on rent payments
  • Rewards Day events
  • Lifetime earnings tracking
  • Upcoming rewards calendar
  • Onboarding and chat support
Features
Read full description

Stake is on a mission to make renting more financially rewarding. > Cash today. When you want it, for all the things you love. All on Stake Visa® Debit. > Celebrate Rewards Day twice a month and engage with the Stake community > Track your lifetime earnings and know exactly how much to save and spend > See when your next rewards are coming up in the new calendar widget > Learn about Stake in our new onboarding and chat with us anytime Your rental must offer Stake to access the app. Talk to your rental manager about getting Stake! Stake Network, Inc. (Stake) is a financial technology company and is not a bank. Banking services provided by TransPecos Banks; Member FDIC. The Stake Visa® Debit Card is issued by TransPecos Banks pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

About

Split Pay

This app allows renters to divide their monthly rent into two smaller, more manageable payments. It helps with budgeting and can also be used to build credit history by reporting on-time payments.

Highlights
  • Split rent into two payments
  • Build credit history
  • Improve budgeting
  • Works with all payment systems
  • Autopay functionality
  • Free credit reporting option
Features
Currently charting
Read full description

Split Pay turns your biggest bills into two smaller payments, timed to your paychecks. Same total, smarter timing. There's no credit check, and it works with any landlord or lender. Less pressure. More room to breathe. Split rent, mortgage, or car payments to fit your paycheck rhythm, not the other way around. Your landlord or lender gets paid in full on day one. Download Split Pay to put rent, mortgage, and car payments on your own schedule. SPLIT PAY APP FEATURES: WHY 200,000+ HOUSEHOLDS CHOOSE SPLIT PAY: One bill, two payments, smarter timing. Works with any landlord, lender, or servicer. No building integration, no virtual cards, no workarounds. No established credit history? You can still apply. Eligibility is based on factors such as income and cash flow, not your credit score. Split Pay's dedicated support team gives you access to real humans when you need them, not just a chatbot. Build credit history with reported rent payments. PAY BILLS IN TWO PAYMENTS Choose a bill to split into two: rent, mortgage, or your car payment. Apply in minutes, no credit check. Once you're approved, you'll receive virtual account and routing numbers to add to your payment portal, just like a bank account. Your landlord, lender, or servicer gets paid in full and on the due date. You pay in two smaller parts. That's it. You get more room to breathe every month. WHAT BILLS CAN I SPLIT? Pay rent Pay your mortgage Pay car payments Pay other bills coming soon SIMPLE, TRANSPARENT PRICING Split Pay costs $9.99/month plus 1.5% transaction fee on the amount you split. That's it. The fee is the same no matter how your bill is split. Income arrives on a schedule. Bills don't. Banks move money. Split Pay moves timing. Download Split Pay to put rent, mortgage, and car payments on your own schedule. Split Pay is a financial technology company, not a bank. Banking services are provided by Evolve Bank & Trust, Members FDIC.

Screenshots

Stake4 screens
Split Pay4 screens

Verdict

The call

The clearest difference is review sentiment: Split Pay at 72% against Stake's 40%. Split Pay also leads on ratings volume (20K vs 691) and rating (4.9 vs 4.7). Stake's advantage is device support (3 vs 1). On price, update cadence, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Split Pay holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: Split Pay has 20K ratings behind it against 691, so its average is the more settled of the two. Written reviews point the same way: 40% of Stake's written reviews are positive against 72% of Split Pay's.

UpkeepUpdate frequency

Stake ships an update fortnightly, Split Pay every 2 weeks. Both last shipped on October 24, 2026.

Scorecard6 real differences · 5 level
Stake versus Split Pay: the parameters behind the verdict, then further details
ParameterStakeSplit Pay
PriceFreeFree
Rating4.7 (691 ratings)4.9 (20K ratings) — better
Positive reviews40.5% of reviews71.8% of reviews — better
Number of ratings69120K — better
Update frequencyFortnightly — betterEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
Best chart rank—#80 — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.1 — better16.6
Further details — not scored
Size103 MB65 MB
Age rating4+4+
DeveloperStake Network, IncVisible Ideas

Customer experience

Stake

All ratings691 ratings
Positive91.3%
Neutral2.2%
Negative6.5%
Written reviews42 reviews
Positive40.5%
Neutral4.8%
Negative54.8%

Split Pay

All ratings19,539 ratings
Positive97.1%
Neutral0.6%
Negative2.3%
Written reviews687 reviews
Positive71.8%
Neutral1.6%
Negative26.6%

User reviews

Stake

From 691 App Store ratings

What we love

  • 💰 Cash back rewards
  • 👍 User-friendly interface
  • 🤝 Good customer service
  • 🔑 Easy to use
  • 💳 Convenient rent payment

Room to improve

  • 🐛 Frequent app crashes
  • 🔍 Unreliable functionality
  • 💤 Unresponsive customer support
  • 🔄 Disconnects from bank account
  • 🤔 Reduced benefits over time

Split Pay

From 20K App Store ratings

What we love

  • 🚀 Great service with team members that go above and beyond
  • 👍 Easy to use and intuitive
  • 💡 Helpful split pay feature
  • 🚀 Smooth and seamless process
  • 👍 Convenient for budgeting and managing rent payments

Room to improve

  • 🐛 Delayed rent payments to landlord
  • 🐛 Accounts suspended with no explanation
  • 🐛 Difficult to get approved for split pay
  • 🐛 App crashes and freezes
  • 🐛 Lack of integration with property management portals

Bugs and requests

Stake

Reported bugs

4 issues
  • Home screen not loading
  • Login screen issues
  • Cashout feature not working
  • Verification code problems

Requested features

3 requests
  • Instant fund transfers
  • Calendar integration
  • Improved stability and reliability

Split Pay

Reported bugs

3 issues
  • Login screen freezes
  • Incompatibility with certain bank accounts
  • Payments not showing up in app after being processed

Requested features

4 requests
  • Ability to change payment dates after initial setup
  • Option to adjust second split pay date within 30-day period
  • Integration with property management payment portals
  • Clearer communication on approval process and reasons for account suspension

In-app purchases

None

Stake

No in-app purchases

None

Split Pay

No in-app purchases

Questions

Is Stake free?
Stake is free to download, with no in-app purchases.
Is Split Pay free?
Split Pay is free to download, with no in-app purchases.
Which has better reviews, Stake or Split Pay?
Split Pay is rated higher. Stake averages 4.7 out of 5 from 691 ratings, while Split Pay averages 4.9 from 20K ratings.
Do Stake or Split Pay have ads?
Neither Stake nor Split Pay shows ads.
Which is updated more often, Stake or Split Pay?
Stake ships an update fortnightly, and Split Pay every 2 weeks. Most recently, Stake was updated on October 24, 2026 and Split Pay on October 24, 2026.

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