Comparison

Banana Split, Bill & Expenses vs Cospender

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

Head to head
About

Banana Split, Bill & Expenses

Effortlessly track and settle shared expenses for trips, flatmates, or couples. This app automatically calculates who owes what, minimizing paybacks and providing a clear record of all transactions. Supports over 40 currencies and recurring bills for seamless group finance management.

Highlights
  • Automatic calculation of who owes what
  • Minimizes paybacks for easy settlement
  • Records of all expenses (payer, recipient, amount)
  • Multi-currency support for 40+ currencies
  • Handles recurring expenses for shared living
  • Real-time event sharing via link
  • Export accounts via email
Features
Read full description

Banana Split — Split group expenses and see who owes what, without the headache. "Don't split your expenses — Banana Split them!" IN SHORT Banana Split automatically works out who owes what after a trip, a shared flat or a night out. You enter the expenses, the app does the maths and tells you exactly who pays back whom — instantly. WHO IT'S FOR For friends going on a trip or a weekend away, flatmates sharing rent and groceries, couples running a shared budget, and any group where people front money for each other. WHAT YOU'LL GET • Clear accounts at the end of the event — no more "wait, who paid for dinner?" • The smallest number of paybacks to settle the whole group • A record of every expense: who paid, for whom, how much • Trips abroad with no currency hassle (40+ currencies) HOW IT WORKS 1) Create an event and add the participants. 2) Add each expense: pick who paid and who it's for. 3) Open the balances: the app shows who owes what to whom and generates the paybacks. KEY FEATURES • Flexible splitting — equally, exact amounts, percentages or shares. • Multi-currency — 40+ currencies converted automatically within a single event. • Optimised balances — the fewest transactions to get everyone back to zero. • Custom categories and payment methods. • Receipt photo, notes and timestamp on every expense. • Recurring expenses (weekly, fortnightly, monthly, yearly) for shared-flat bills. • Share the event by link — everyone adds their expenses in real time. • Export the accounts by email. WHAT PEOPLE USE IT FOR Built first for trips with friends, Banana Split also fits the everyday life of shared flats and couples. Most groups use it for an equal split, but everything stays adjustable the moment one expense stands out. FAQ Q: What is Banana Split, in one line? A: An app that splits a group's expenses and automatically works out who pays back whom. Q: How long does it take to settle up? A: Just the time to enter the expenses — the balances are instant, even abroad with several currencies. Q: Does everyone need the app? A: No. You can manage a whole group on your own, or share the event by link so everyone adds their expenses. Q: Is it free? A: Yes, the essentials are free. The Premium subscription adds no ads, priority support and multiple currencies within a single event. GET STARTED Create your first event and settle up in a minute. Don't split your expenses — Banana Split them! Follow us on Instagram: @bananasplit_app https://www.instagram.com/bananasplit_app/ Keywords: split expenses with friends, split the bill, group kitty, shared flat accounts, travel budget, who owes what, pay friends back, manage shared costs. — Premium subscription (auto-renewable): priority support, no ads and multiple currencies within a single event. Price and duration shown in the app before any purchase. Payment is charged to your Apple account at confirmation of purchase. The subscription renews automatically at the same price unless cancelled at least 24 hours before the end of the current period. You can manage your subscription and turn off auto-renewal in your Apple account settings at any time. Contact: olivier@oworld.fr Terms of use: https://termsfeed.com/terms-conditions/b517f2eac92e8ce6b3b3f09b003675f6 Privacy policy: https://www.bananasplitapp.com/en/privacy/

About

Cospender

Easily manage shared expenses with friends, family, or partners. Create groups, add expenses, and see automatic debt calculations. Track spending with graphs and set up recurring costs. Integrates with Apple Watch and notification widgets for quick access.

Highlights
  • Create expense groups
  • Invite members to share
  • Automatic debt calculation
  • Detailed expense graphs
  • Recurring expense setup
  • Apple Watch integration
  • Notification center widget
Features
Read full description

Cospender is the easiest way to manage expenses with your partner, family, roommates or friends. Going on holiday with friends, being roommates or living in couple without a shared bank account. Create groups of expenses: Home, Holidays, Work, etc. Invite a member to join and share your expenses in a group. Add expenses individually as a group member. View instantly on your app all added expenses. See Cospender's automatic calculation of each member's debt. Manage your budget more effectively. Follow your expenses every month through detailed graphs. Create recurring expenses: Rent, Subscriptions, etc. Cospender for Apple Watch, the perfect and coolest companion to quickly add your expenses. New Today Widget in the notification center so you can quickly have a look at your last expenses. • No registration needed • Automatic synchronization • Debt calculation of each member • Offline expense creation • Recurring expenses • Push notifications • Add an expense on your Apple Watch • Quickly see your last expenses in the notification center Cospender is free to download and use. Cospender Premium upgrades your experience for $4.99 a year through an auto-renewing subscription. Subscriptions will be charged to your credit card through your iTunes account. Your subscription will automatically renew unless cancelled at least 24 hours before the end of the current period. You will not be able to cancel a subscription during the active period. You can manage your subscriptions in the Account Settings after purchase. Our Terms of Use: http://www.cospender.com/?page=termsofuse Our Privacy Policy: http://www.cospender.com/?page=privacy Learn more about Cospender at www.cospender.com

Screenshots

Banana Split, Bill & Expenses4 screens
Cospender4 screens

Verdict

The call

The clearest difference is ads: Cospender at none against Banana Split, Bill & Expenses's shown. Cospender also leads on review sentiment (79% vs 57%) and device support (4 vs 2). Banana Split, Bill & Expenses's advantage is update cadence (every 10 days vs every 3 weeks) and ratings volume (212 vs 29). On price, rating, 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. Banana Split, Bill & Expenses sells 9 in-app purchases, starting at $1.99 per month and Cospender sells 1 in-app purchase, starting at $6.99 per year. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Cospender holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: Banana Split, Bill & Expenses has 212 ratings behind it against 29, so its average is the more settled of the two. Written reviews point the same way: 57% of Banana Split, Bill & Expenses's written reviews are positive against 79% of Cospender's.

UpkeepUpdate frequency

Banana Split, Bill & Expenses ships an update every 10 days, Cospender every 3 weeks. Both last shipped on November 1, 2026.

Scorecard6 real differences · 4 level
Banana Split, Bill & Expenses versus Cospender: the parameters behind the verdict, then further details
ParameterBanana Split, Bill & ExpensesCospender
PriceFreeFree
Rating4.5 (212 ratings)4.7 (29 ratings) — better
Positive reviews56.7% of reviews79.0% of reviews — better
Number of ratings212 — better29
Update frequencyEvery 10 days — betterEvery 3 weeks
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, iPod, Apple Watch — better
Requires iOS16.08.2 — better
Further details — not scored
Size47 MB7 MB
Age rating4+4+
DeveloperoWorld SoftwareStephan Bordera

Customer experience

Banana Split, Bill & Expenses

All ratings212 ratings
Positive88.7%
Neutral3.8%
Negative7.5%
Written reviews90 reviews
Positive56.7%
Neutral12.2%
Negative31.1%

Cospender

All ratings29 ratings
Positive96.6%
Neutral0.0%
Negative3.4%
Written reviews124 reviews
Positive79.0%
Neutral8.1%
Negative12.9%

In-app purchases

9 purchases

Banana Split, Bill & Expenses

Subscriptions5
  • Premium subscription Monthly$1.991 Month
  • Split Expenses Premium Yearly7 Days trial$11.991 Year
  • Premium - 2 people$15.991 Year
Show 2 more
  • Premium - 4 people$24.991 Year
  • Friends/Family plan$39.991 Year
One-time4
  • Unlock this event$1.99
  • Weekly pass$1.99
  • Share event - 5 credits$2.99
Show 1 more
  • Split expenses Pro$17.99
1 purchases

Cospender

Subscriptions1
  • Cospender Premium One Year$6.991 Year

Questions

Is Banana Split, Bill & Expenses free?
Banana Split, Bill & Expenses is free to download, with in-app purchases available.
Is Cospender free?
Cospender is free to download, with in-app purchases available.
Which has better reviews, Banana Split, Bill & Expenses or Cospender?
Cospender is rated higher. Banana Split, Bill & Expenses averages 4.5 out of 5 from 212 ratings, while Cospender averages 4.7 from 29 ratings.
Do Banana Split, Bill & Expenses or Cospender have ads?
Banana Split, Bill & Expenses shows ads; Cospender does not.
Which is updated more often, Banana Split, Bill & Expenses or Cospender?
Banana Split, Bill & Expenses ships an update every 10 days, and Cospender every 3 weeks. Most recently, Banana Split, Bill & Expenses was updated on November 1, 2026 and Cospender on November 1, 2026.

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