# IB Cool vs Splitko

The clearest difference is in-app purchases: IB Cool at none against Splitko's 2. IB Cool also leads on ratings volume (16 vs 1) and iOS requirement (13.0 vs 15.5). Splitko's advantage is update cadence (every 3 days vs every 3 weeks) and rating (5.0 vs 4.7). On price, ads and device support there is nothing between them.

Both are free to download. Splitko sells 2 in-app purchases, starting at $2.99 per month. IB Cool asks for nothing beyond the download.

Splitko holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: IB Cool has 16 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 90% of IB Cool's written reviews are positive against 100% of Splitko's.

IB Cool ships an update every 3 weeks, Splitko every 3 days. The most recent releases landed on July 23, 2026 and September 10, 2026 respectively.

## The numbers

| Metric | IB Cool | Splitko |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (16 ratings)](https://appshunter.io/ios/app/ib-cool/id1538710456/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/splitko-bill-split-and-expenses/id6759840476/reviews)** |
| Number of ratings | **16** | 1 |
| Positive reviews | 90.0% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 3 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 134 MB | 59 MB |
| Requires iOS | **13.0** | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Indochina Bank Ltd.](https://appshunter.io/developer/1538710458) | [Michal Lelek](https://appshunter.io/developer/1881124457) |

## What reviewers say

### IB Cool

[App page](https://appshunter.io/ios/app/ib-cool/id1538710456)

Manage your bank accounts, fixed deposits, and loans with ease. This finance app helps you pay bills, discover discounts from partners, and take control of your financial life.

**Highlights:** Access savings and current accounts, Manage fixed deposits and loans, Pay bills quickly, Discover merchant discounts, Financial management tools

**Features:** macOS Compatibility

**In-app purchases:** none


### Splitko

[App page](https://appshunter.io/ios/app/splitko-bill-split-and-expenses/id6759840476)

Effortlessly split bills and track group expenses with AI receipt scanning. Assign items to friends, settle up with one tap, and manage household budgets. Works offline and supports multiple currencies.

**Highlights:** AI receipt scanning, Live receipt splitting, Group expense management, Smart settle up, Household budget tracking, Offline functionality, Multi-currency support

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Splitko Premium Monthly | $2.99 | per month |
| Splitko Premium Yearly | $22.99 | per year |


## Frequently asked questions

### Is IB Cool free?

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

### Is Splitko free?

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

### Which has better reviews, IB Cool or Splitko?

Splitko is rated higher. IB Cool averages 4.7 out of 5 from 16 ratings, while Splitko averages 5.0 from 1 ratings.

### Do IB Cool or Splitko have ads?

Neither IB Cool nor Splitko shows ads.

### Which is updated more often, IB Cool or Splitko?

IB Cool ships an update every 3 weeks, and Splitko every 3 days. Most recently, IB Cool was updated on July 23, 2026 and Splitko on September 10, 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.*