# Cost Split vs Swish payments

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.

Both are free to download. Cost Split sells 2 one-off in-app purchases. Swish payments asks for nothing beyond the download.

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.

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.

## The numbers

| Metric | Cost Split | Swish payments |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (129 ratings)](https://appshunter.io/ios/app/cost-split/id524132764/reviews)** | [4.2 (83 ratings)](https://appshunter.io/ios/app/swish-payments/id563204724/reviews) |
| Number of ratings | **129** | 83 |
| Positive reviews | **85.7% of reviews** | 40.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Monthly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 31 MB | 69 MB |
| Requires iOS | **8.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Jacob Ivstam](https://appshunter.io/developer/524132767) | [Getswish AB](https://appshunter.io/developer/1369904913) |

## What reviewers say

### Cost Split

[App page](https://appshunter.io/ios/app/cost-split/id524132764)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlock | $0.99 | one-time |
| Premium | $0.99 | one-time |

**What reviewers like**

- 🚀 Easy to use
- 👍 Intuitive interface
- 💰 Inexpensive premium version
- 🌍 Supports multiple currencies
- 📝 Detailed expense tracking

**What reviewers complain about**

- 🐛 Currency rates not downloading
- 🔒 Difficult to cancel premium subscription
- 🔍 Limited to 5 free transactions
- 📤 Email report formatting issues
- 🔍 Lack of search/filtering options

**Reported bugs**

- Syncing issues between devices
- Incorrect expense calculation/payback amounts

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/swish-payments/id563204724)

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

**In-app purchases:** none


## Frequently asked 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.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*