# Stake vs Split Pay

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.

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

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.

Stake ships an update fortnightly, Split Pay every 2 weeks. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Stake | Split Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (691 ratings)](https://appshunter.io/ios/app/stake-rent-with-a-return/id1481979875/reviews) | **[4.9 (20K ratings)](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850/reviews)** |
| Number of ratings | 691 | **20K** |
| Positive reviews | 40.5% of reviews | **71.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 weeks |
| Monetization | Ad-supported | **Free** |
| Best chart rank | — | **#81** |
| Size | 103 MB | 65 MB |
| Requires iOS | **15.1** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Stake Network, Inc](https://appshunter.io/developer/1481979874) | [Visible Ideas](https://appshunter.io/developer/1685211689) |

## What reviewers say

### Stake

[App page](https://appshunter.io/ios/app/stake-rent-with-a-return/id1481979875)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

- Instant fund transfers
- Calendar integration
- Improved stability and reliability


### Split Pay

[App page](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850)

**Currently charting:** #81 Top Free · Finance (US App Store)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

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

**Requested features**

- 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


## Frequently asked 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 25, 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.*