Comparison

Cost Split vs Swish payments

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

Head to head
About

Cost Split

Easily manage shared expenses with friends and family. Track group costs, split bills unevenly, and get clear payback plans. Supports online and offline use with cloud sync and email reports.

Highlights
  • Cloud sync for group expenses
  • Offline support
  • Uneven expense splitting
  • Payback calculations
  • Email expense reports
  • Multiple currency support
  • Attach photos to expenses
Features
Read full description

Cost Split helps you share costs within a group of people where each person can add expenses from their own devices thanks to the cloud sync. 5.0 average rating in US, UK and Sweden Top 10 in the Finance category in Sweden, India, Denmark, Poland, Slovenia, Finland, Norway, Turkey, Chile, Argentina, Czech Republic, Philippines, Luxembourg, Lithuania, Venezuela, Iceland, Latvia and Norway. It is perfect on vacations, road trips, a night on the town or in a household where you share the costs. Just define a group of people, add expenses as you go and when you are ready to settle the debts, you can e-mail a report with a list of all expenses and who should pay what to whom. You can choose to store the data online, so all your friends can view and add costs themselves. Thanks to the currency and offline support, it works perfect when you are on a trip abroad with limited internet access. If you want to see it in action, look at the movie on the homepage. FEATURES - NO NEED FOR REGISTRATION - Fast and easy to use - Online and offline support - Attach photos to expenses and sync them as well - iCloud support - Online data is shared between your devices and as backup - Push Notifications when someone updates your groups - Split expenses unevenly (either by amount or coefficient) - Transfer support (money transactions like loans and paybacks) - Payback calculations (who should pay what to whom?) - Intelligent payback algorithm - minimize number of transactions by entering an amount you don't care about - E-mail reports (list of expenses, person summary, payback plan and currency information) - Multiple currencies - download currency rates, intelligent localized currency support LINKS Homepage: www.CostSplitApp.com Facebook: facebook.com/CostSplitApp Twitter: twitter.com/CostSplitApp

About

Swish payments

Easily send money to friends, businesses, and charities using your mobile number. Pay for online purchases, split bills, or make donations. Funds are directly transferred to the recipient's bank account.

Highlights
  • Send money to contacts
  • Pay companies and organizations
  • Split bills
  • Online and in-app payments
  • QR code payments
  • Direct bank transfers
Read full description

Swish allows you to send money to friends, companies and organizations using your mobile phone. It’s perfect for splitting a check at a restaurant, paying for a bargain at a flea market or for sending a gift to charity. You can also pay with Swish when shopping online or in mobile apps from companies offering Swish as a payment option. The money is sent directly into the recipient’s bank account. Scan QR codes to pay in stores. Some stores also offer self-scanning of products. It's easy to get started with Swish. Contact your bank to connect your mobile phone number to Swish, and then simply activate the app. Read more about Swish at www.swish.nu or contact your bank.

Screenshots

Cost Split4 screens
Swish payments4 screens

Verdict

The call

The clearest difference is review sentiment: Cost Split at 86% against Swish payments's 40%. Cost Split also leads on rating (4.6 vs 4.2) and device support (3 vs 1). Swish payments's advantage is in-app purchases (none vs 2). On price, ratings volume, update cadence and ads 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. Cost Split sells 2 one-off in-app purchases. Swish payments asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Cost Split holds the better App Store score, 4.6 against 4.2. Both are backed by a comparable volume of ratings — 129 and 83 respectively. Written reviews point the same way: 86% of Cost Split's written reviews are positive against 40% of Swish payments's.

UpkeepUpdate frequency

Cost Split ships an update every 6 weeks, Swish payments monthly. The most recent releases landed on October 13, 2026 and October 15, 2026 respectively.

Scorecard6 real differences · 4 level
Cost Split versus Swish payments: the parameters behind the verdict, then further details
ParameterCost SplitSwish payments
PriceFreeFree
Rating4.6 (129 ratings) — better4.2 (83 ratings)
Positive reviews85.7% of reviews — better40.0% of reviews
Number of ratings129 — better83
Update frequencyEvery 6 weeksMonthly — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS8.0 — better16.0
Further details — not scored
Size31 MB69 MB
Age rating4+4+
DeveloperJacob IvstamGetswish AB

Customer experience

Cost Split

All ratings129 ratings
Positive86.8%
Neutral7.8%
Negative5.4%
Written reviews210 reviews
Positive85.7%
Neutral6.2%
Negative8.1%

Swish payments

All ratings83 ratings
Positive80.7%
Neutral2.4%
Negative16.9%
Written reviews15 reviews
Positive40.0%
Neutral0.0%
Negative60.0%

Bugs and requests

Cost Split

Reported bugs

2 issues
  • Syncing issues between devices
  • Incorrect expense calculation/payback amounts

Requested features

5 requests
  • Add ability to group/categorize expenses
  • Implement Android app version
  • Allow more than one person to pay an expense
  • Add option to print/export expense reports
  • Include receipt image attachments in email reports

Swish payments

Not enough reviews yet to summarise bugs or requests.

In-app purchases

2 purchases

Cost Split

One-time2
  • Unlock$0.99
  • Premium$0.99
None

Swish payments

No in-app purchases

Questions

Is Cost Split free?
Cost Split is free to download, with in-app purchases available.
Is Swish payments free?
Swish payments is free to download, with no in-app purchases.
Which has better reviews, Cost Split or Swish payments?
Cost Split is rated higher. Cost Split averages 4.6 out of 5 from 129 ratings, while Swish payments averages 4.2 from 83 ratings.
Do Cost Split or Swish payments have ads?
Neither Cost Split nor Swish payments shows ads.
Which is updated more often, Cost Split or Swish payments?
Cost Split ships an update every 6 weeks, and Swish payments monthly. Most recently, Cost Split was updated on October 13, 2026 and Swish payments on October 15, 2026.

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