Comparison

Metropolitan Services CU 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

Metropolitan Services CU

Manage your accounts conveniently from your mobile device. Check balances, review transactions, transfer funds, and pay bills securely and quickly. Access is free, but data rates may apply.

Highlights
  • Check account balances
  • Review recent transactions
  • Transfer funds between accounts
  • View and pay bills
  • Secure and fast access
Features
Read full description

Access your accounts when and where you want right in the palm of your hand. It’s fast, secure and free access to your accounts anytime, anywhere. You have access to check your balances, pay bills and transfer money...while you are on the go! Features: • Check your account balances • Review recent transactions • Transfer funds between your accounts • View and pay bills (you must be enrolled in bill pay within online banking) You need to be enrolled in Online Banking to use this app. To enroll, visit our website or any location. Mobile banking is free to access, but messaging and data rates may apply. Federally insured by the NCUA.

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

Metropolitan Services CU4 screens
Split Pay4 screens

Verdict

The call

The clearest difference is update cadence: Split Pay at every 2 weeks against Metropolitan Services CU's every 4 months. Split Pay also leads on ratings volume (20K vs 18) and monetization model (free vs ad-supported). On price, rating, 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

On the App Store both sit at effectively the same score — 4.8 for Metropolitan Services CU against 4.9 for Split Pay. That said, the two scores are not equally well evidenced: Split Pay has 20K ratings behind it against 18, so its average is the more settled of the two.

UpkeepUpdate frequency

Metropolitan Services CU ships an update every 4 months, Split Pay every 2 weeks. The most recent releases landed on October 3, 2026 and October 22, 2026 respectively.

Scorecard4 real differences · 7 level
Metropolitan Services CU versus Split Pay: the parameters behind the verdict, then further details
ParameterMetropolitan Services CUSplit Pay
PriceFreeFree
Rating4.8 (18 ratings)4.9 (20K ratings) — better
Positive reviews—71.8% of reviews
Number of ratings1820K — better
Update frequencyEvery 4 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
Best chart rank—#89 — better
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better16.6
Further details — not scored
Size112 MB65 MB
Age rating4+4+
DeveloperMetropolitan Services Credit UnionVisible Ideas

Customer experience

Metropolitan Services CU

All ratings18 ratings
Positive94.4%
Neutral5.6%
Negative0.0%

Split Pay

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

Bugs and requests

Metropolitan Services CU

Not enough reviews yet to summarise bugs or requests.

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

Metropolitan Services CU

No in-app purchases

None

Split Pay

No in-app purchases

Questions

Is Metropolitan Services CU free?
Metropolitan Services CU 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, Metropolitan Services CU or Split Pay?
Split Pay is rated higher. Metropolitan Services CU averages 4.8 out of 5 from 18 ratings, while Split Pay averages 4.9 from 20K ratings.
Do Metropolitan Services CU or Split Pay have ads?
Neither Metropolitan Services CU nor Split Pay shows ads.
Which is updated more often, Metropolitan Services CU or Split Pay?
Metropolitan Services CU ships an update every 4 months, and Split Pay every 2 weeks. Most recently, Metropolitan Services CU was updated on October 3, 2026 and Split Pay on October 22, 2026.

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