BiyaPay vs Chippy Split
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BiyaPay
Manage international remittances, trade stocks, and track global markets all in one app. Offers real-time currency conversion, secure asset management, and investment opportunities in U.S./Hong Kong stocks and various commodities.
- Real-time currency exchange for 200+ currencies
- Cross-border remittance services
- U.S. and Hong Kong stock investing
- Cryptocurrency, gold, silver, and oil market tracking
- Integrated asset management and wallet
- Flexible wealth management with daily yield
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Feature Overview BiyaPay supports real-time exchange rate lookup and conversion for 200+ currencies, providing users with faster, lower-cost, and seamless online international remittance services. In addition to currency exchange, the platform offers an intelligent conversion calculator, cross-border remittance, U.S./Hong Kong stock investing services, and market tracking for cryptocurrencies, gold, silver, crude oil, and other commodities—helping users manage funds and stay on top of market dynamics in one place. - Wallet: Covers asset management, receiving payments, transfers, deposits, and withdrawals. Supports crypto withdrawals and remittances at any time, with a clear view of account assets. - Instant Swap: After deposit, users can complete online multi-currency exchange with no preset limit, and withdraw funds to offshore bank accounts. - Wealth: Flexible wealth management service with daily yield settlement, automatically credited to available account balance. - Financial Asset Trading: Covers major markets including U.S. and Hong Kong stocks, with one account connected to multiple market opportunities. - Market Tracking: Supports market tracking for cryptocurrencies, gold, silver, crude oil, and other commodities, helping users monitor real-time price moves, trends, and market rhythm. Product Advantages BiyaPay continuously enhances its compliance qualifications and service capabilities to provide global users with an integrated financial experience covering payments, international remittance, securities investment, and market tracking services. Whether for cross-border fund management or multi-market information access, users can do so more efficiently and with greater peace of mind. - Fast Account Opening: Fully online onboarding with a low barrier and high efficiency. - Convenient Funding: Supports multiple funding methods with simple operations and smoother fund transfers. - User-Friendly Interface: Clear trading flows, bilingual Chinese-English interface, plus 24/7 Chinese customer support. - Comprehensive Functions: Rich order options that support both beginners and advanced traders. - Broad Market Coverage: Provides market tracking for U.S. and Hong Kong stocks, cryptocurrencies, gold, silver, crude oil, and other commodities, so users can track multi-market information in sync. - Competitive Fees: Competitive fee structure for U.S. and Hong Kong stock investing, helping reduce trading costs. - Fund Security: Segregated custodial accounts and multi-layer security verification mechanisms to protect accounts and assets. Official Website & Support Official Website: https://www.biyapay.com/ Customer Service Email: service@biyapay.com Customer Service Telegram: https://t.me/biyapay001 Telegram Community: https://t.me/BiyaPay_ch
Chippy Split
Easily manage shared expenses with friends, roommates, and groups. Split bills instantly, track balances in real-time, and settle debts without confusion. Organize expenses by group and get clear overviews of all shared spending.
- Instant bill splitting
- Flexible splitting options
- Organize expenses by groups
- Real-time balance tracking
- Payment reminders
- Expense history and reports
- Receipt import
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Split bills, track expenses, and settle faster with Chippy Split. The easiest way to manage shared expenses with friends, roommates, trips, and groups, all in one place. Whether you're splitting rent, managing travel costs, or tracking daily expenses, Chippy Split keeps everything clear, fair, and stress-free. Why Chippy Split? Managing shared expenses shouldn’t be complicated. Chippy Split helps you split bills instantly, track balances in real time, and settle without confusion. Key Features • Add and split bills instantly without any limits • Flexible splitting options: equal, percentage, or custom amounts • Organize expenses by groups (friends, trips, roommates) • Track balances and settlements in real time • Send payment reminders to group members • View complete expense history • Export expense reports anytime Share and Add Bills Faster Easily import images or receipts directly into the app and start creating bills instantly. No more manual entry ,just share and go. Perfect For • Friends sharing daily expenses • Roommates splitting rent and utilities • Group trips and vacations • Couples managing shared spending Simple. Transparent. Stress-Free. No awkward reminders. No confusion. No missed payments. Just smart expense tracking that works. Privacy Policy https://card-snap.in/chippyapp/privacypolicy Terms of Use (EULA) https://card-snap.in/chippyapp/termsofuse
Screenshots
Verdict
The clearest difference is in-app purchases: BiyaPay at none against Chippy Split's 1. Chippy Split's advantage is review sentiment (100% vs 89%). On price, update cadence, ads and device support 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
Both are free to download. Chippy Split sells 1 in-app purchase, starting at $1.99 per month. BiyaPay asks for nothing beyond the download.
BiyaPay ships an update every 2 weeks, Chippy Split weekly. The most recent releases landed on October 16, 2026 and October 7, 2026 respectively.
| Parameter | BiyaPay | Chippy Split |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (103 ratings) — better | — |
| Positive reviews | 89.2% of reviews | 100.0% of reviews — better |
| Number of ratings | 103 — better | — |
| Update frequency | Every 2 weeks | Weekly — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 146 MB | 87 MB |
| Age rating | 4+ | 4+ |
| Developer | BIYA GLOBAL LLC | Aman Khan |
Customer experience
BiyaPay
Chippy Split
Bugs and requests
BiyaPay
Reported bugs
2 issues- Login screen issues causing black screen
- Compatibility problems with older devices
Requested features
4 requests- Improved visual design and aesthetics
- Advanced portfolio tracking and analytics
- Expanded investment options (e.g., derivatives, commodities)
- Enhanced customer support and communication
Chippy Split
Not enough reviews yet to summarise bugs or requests.
In-app purchases
BiyaPay
No in-app purchases
Chippy Split
- Chippy Pro$1.991 Month









