Comparison

Pesa (Formerly Pesapeer) vs Splitfolk

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

Head to head
About

Pesa (Formerly Pesapeer)

Send and receive money internationally with zero fees and competitive exchange rates. Manage multiple currency wallets, convert currencies seamlessly, and enjoy instant transfers to numerous countries. The app also offers a referral program to earn extra cash.

Highlights
  • Send and receive money internationally
  • Zero transfer fees
  • Competitive exchange rates
  • Manage multiple currency wallets
  • Seamless currency conversion
  • Instant money transfers
  • Referral program to earn cash
Features
Read full description

Send and receive money globally, in time and without any fees. Imagine a smaller world. Zero financial restrictions and all the possibilities. Your Pesa account gives you access to instant money transfers in life’s crucial moments. Manage multiple currency wallets and save your money and time when you send money in 5 minutes or less, with no transaction fees and exchange rates that don’t bite. Send & Receive Money Set up your Pesa account in minutes and join thousands of users sending and receiving money internationally with ease, at zero cost and the absolute best exchange rates in the market. Send money to Kenya, Ghana, the United Kingdom, the EU, Nigeria, India, the Philippines, and many more countries. Zero fee Money transfers Enjoy free money transfers from Canada, Nigeria and the UK to over 50 countries. Your international money transfers will be at no cost when you send with Pesa. Zero transfer fees and no hidden fees. Experience all the freedom when you send with Pesa. Manage multiple currencies Effortlessly hold and transfer funds in various currencies. Experience the convenience of seamlessly managing currencies at the best rates and sending money globally from anywhere in the world. With the flexibility of exchanging at the best rates and sending money globally, regardless of your location, our platform provides easy access to multi-currency transfers. You can send money from CAD (Canadian Dollar) to INR (Indian Rupee), NGN (Nigerian Naira), PHP (Philippines Peso), GBP (Great British Pounds), GHS (Ghanaian Cedi), KES (Kenyan Shilling), UGX (Ugandan Shilling), EUR (Euro) and many more. Earn with Pesa Take advantage of Pesa referral and start earning extra cash for getting people to #sendwithpesa. By inviting your friends to use Pesa for their cross border money transfers, you can earn unlimited cash. Join the thousands of satisfied users in Canada and the UK who are already enjoying the benefits of borderless payments with no fees on Pesa. Don't miss out on this opportunity to earn while helping your friends discover a more convenient and seamless way to send money globally. Download the app and share your unique link! Seamlessly convert currencies Join thousands of people experiencing the convenience of Pesa. Send money from Canada, the Uk and Nigeria to India, Ghana, France, Kenya, and more with ease and for free. Dare to go further Take the opportunity to explore the world and Pesa will be with you. Helping you stay connected to places you love with instant international money transfers. **Here’s why you need a Pesa account** - Live internationally and make transfers like a local - Hold and manage multiple currencies in one account - Never worry about hefty transfer fees or frustrating processes. Enjoy free transfers with every transaction when you send money abroad with Pesa. - Seamlessly convert your currencies on the go - Always safe. Always secure. - Track your transactions. Stay updated with instant notifications on your transactions. If you ever need assistance, you can send a mail to support@pesa.co or use the in-app chat option. Pesa LLC is registered and regularized in Canada by the Financial Transactions and Report Analysis Center of Canada as a Money Service Business. Rn: M20300281. Pesa LLC is also registered in the United States as a Money Service Business with the United States Financial Crimes Enforcement Network (FinCEN). Rn: 31000231722151. Your transactions are secure and our facial verification and password encrypted platform, security and fraud monitoring tools keep your personal information safe.

About

Splitfolk

Easily divide shared costs among friends and groups. This app simplifies expense tracking with options for equal or custom splits, clear settlement plans, and group record exports. It's designed for quick and hassle-free management of shared finances for trips, housing, or events.

Highlights
  • Create and manage groups
  • Record expenses with custom splits
  • View clear settlement plans
  • Support for recurring expenses
  • Export group records
  • Invite members via shareable link
Features
Read full description

Splitfolk helps friends, roommates, and small groups split shared expenses without spreadsheet math. Create a group, add members, record expenses, choose equal or custom splits, and see a clear settle-up plan. Splitfolk keeps activity history, supports recurring expenses, exports group records, and lets invitees claim their own seat from a shared link. The iOS app is built for quick group expense tracking: • Create groups for trips, homes, events, and shared projects. • Add expenses with equal, exact, percentage, or share-based splits. • See balances and suggested repayments. • Record settlements when someone pays back. • Invite members with a shareable link. • Export group records when you need a copy. • Delete your account from inside the app. Splitfolk Plus checkout is not sold inside the iOS app in v1.

Screenshots

Pesa (Formerly Pesapeer)4 screens
Splitfolk4 screens

Verdict

The call

The clearest difference is review sentiment: Splitfolk at 100% against Pesa (Formerly Pesapeer)'s 40%. Splitfolk also leads on rating (5.0 vs 4.4) and update cadence (daily vs every 3 days). Pesa (Formerly Pesapeer)'s advantage is ratings volume (1.3K vs 1). On price, ads, in-app purchases and monetization model 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

Splitfolk holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: Pesa (Formerly Pesapeer) has 1.3K ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 40% of Pesa (Formerly Pesapeer)'s written reviews are positive against 100% of Splitfolk's.

UpkeepUpdate frequency

Pesa (Formerly Pesapeer) ships an update every 3 days, Splitfolk daily. The most recent releases landed on October 22, 2026 and October 12, 2026 respectively.

Scorecard4 real differences · 6 level
Pesa (Formerly Pesapeer) versus Splitfolk: the parameters behind the verdict, then further details
ParameterPesa (Formerly Pesapeer)Splitfolk
PriceFreeFree
Rating4.4 (1.3K ratings)5.0 (1 ratings) — better
Positive reviews40.4% of reviews100.0% of reviews — better
Number of ratings1.3K — better1
Update frequencyEvery 3 daysDaily — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.0 — better
Further details — not scored
Size283 MB4 MB
Age rating4+4+
DeveloperPesapeer IncTAO CHEN

Customer experience

Pesa (Formerly Pesapeer)

All ratings1,337 ratings
Positive85.1%
Neutral2.2%
Negative12.7%
Written reviews591 reviews
Positive40.4%
Neutral2.0%
Negative57.5%

Splitfolk

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Pesa (Formerly Pesapeer)

Reported bugs

5 issues
  • App crashes or freezes during use
  • Incorrect exchange rates displayed
  • Delayed or failed fund transfers
  • Wallet funding issues
  • Verification process problems

Requested features

5 requests
  • Increase maximum transfer limits
  • Provide real-time transaction tracking
  • Implement a user-friendly interface for desktop/web
  • Offer a mobile app for seamless on-the-go transactions
  • Expand supported countries and currencies

Splitfolk

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Pesa (Formerly Pesapeer)

No in-app purchases

None

Splitfolk

No in-app purchases

Questions

Is Pesa (Formerly Pesapeer) free?
Pesa (Formerly Pesapeer) is free to download, with no in-app purchases.
Is Splitfolk free?
Splitfolk is free to download, with no in-app purchases.
Which has better reviews, Pesa (Formerly Pesapeer) or Splitfolk?
Splitfolk is rated higher. Pesa (Formerly Pesapeer) averages 4.4 out of 5 from 1.3K ratings, while Splitfolk averages 5.0 from 1 ratings.
Do Pesa (Formerly Pesapeer) or Splitfolk have ads?
Neither Pesa (Formerly Pesapeer) nor Splitfolk shows ads.
Which is updated more often, Pesa (Formerly Pesapeer) or Splitfolk?
Pesa (Formerly Pesapeer) ships an update every 3 days, and Splitfolk daily. Most recently, Pesa (Formerly Pesapeer) was updated on October 22, 2026 and Splitfolk on October 12, 2026.

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