Comparison

SIMS LTD vs Splitwave

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

Head to head
About

SIMS LTD

Plan and invest in various managed solutions from your mobile device. Track your balance, view gains, and manage transactions like deposits and withdrawals. Utilize an investment calculator and access FAQs for smart financial planning.

Highlights
  • View investment balance and gains
  • Track transactions
  • Request investment statements
  • Make deposits and withdrawals
  • Investment planning calculator
  • Access investing FAQs
Features
Read full description

The SIMS LTD app is your gateway to smart and convenient investing. You can effortlessly plan and invest in multiple investment solutions managed by Stanbic Investment Management Services LTD from the convenience of your mobile device. Everything in one place · View your balance and the gains you’ve made on your investment. · View your transactions and request for your investment statement. Simple transacting · Make deposits into your investment accounts through multiple mediums. · Request for withdrawals from your investment accounts. Smart investing · Use the investment calculator to plan toward your investment goals. · Get answers to all your burning questions relating to investing and SIMS LTD. Our user-friendly interface makes investing easy and accessible to everyone. Stanbic Investment Management Services LTD is an investment management and advisory services provider licensed by the Securities and Exchange Commission of Ghana with company registration number CS681272015 and is registered with the National Pensions Regulatory Authority of Ghana as a pension fund manager. Stanbic Investment Management Services LTD is a member of the Standard Bank Group.

About

Splitwave

Features
Read full description

Splitwave is a free expense-splitting app for groups and trips - no ads, no subscriptions, no third-party servers. Your data lives on your device and syncs privately through your own iCloud. SPLIT ANY BILL, ANY WAY • Equal, exact amounts, shares, or percentages • Multiple payers on a single expense • Split math is exact to the cent SCAN RECEIPTS Point your camera at a receipt, and Splitwave reads the line items. Assign each item to people, add tax and tip, and split the itemized bill fairly. (beta) SETTLE UP SMARTER Splitwave computes who owes whom and simplifies the debts down to the fewest possible payments. Hand off a payment with a single tap. TRAVEL-READY • Every expense can be in its own currency • Balances are tracked per currency • Live exchange rates convert totals for display, so you always know where you stand SHARE WITH YOUR GROUP Invite friends straight from iMessages. Everyone in a shared group sees the same expenses, gets notified of new activity, and can add their own. All synced through iCloud, private to your group. WORKS OFFLINE Splitwave is local-first: everything works with no connection. Add expenses on a plane or abroad; they sync when you're back online. MORE • Home-screen widget with your balances at a glance • Activity feed - a running log of every change • Spending analytics and per-group budgets • Sign in with Apple - no email signups, no passwords PRIVATE BY DESIGN No accounts on our servers, because there are no servers. No ads, no tracking, no analytics companies. Your expenses sync through your personal iCloud and are shared only with the people you invite. Built entirely on Apple technology, exclusively for iPhone. Splitwave is free, with everything included. Forever.

Screenshots

SIMS LTD4 screens
Splitwave4 screens

Verdict

The call

The clearest difference is update cadence: Splitwave at every 5 weeks against SIMS LTD's every 3 months. SIMS LTD's advantage is device support (3 vs 1) and iOS requirement (15.0 vs 26.0). On price, ads and in-app purchases 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.

UpkeepUpdate frequency

SIMS LTD ships an update every 3 months, Splitwave every 5 weeks. The most recent releases landed on October 7, 2026 and October 11, 2026 respectively.

Scorecard3 real differences · 6 level
SIMS LTD versus Splitwave: the parameters behind the verdict, then further details
ParameterSIMS LTDSplitwave
PriceFreeFree
Rating5.0 (5 ratings) — better—
Number of ratings5 — better—
Update frequencyEvery 3 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better26.0
Further details — not scored
Size76 MB19 MB
Age rating17+4+
DeveloperStanbic BankDenis Poledna

In-app purchases

None

SIMS LTD

No in-app purchases

None

Splitwave

No in-app purchases

Questions

Is SIMS LTD free?
SIMS LTD is free to download, with no in-app purchases.
Is Splitwave free?
Splitwave is free to download, with no in-app purchases.
Do SIMS LTD or Splitwave have ads?
Neither SIMS LTD nor Splitwave shows ads.
Which is updated more often, SIMS LTD or Splitwave?
SIMS LTD ships an update every 3 months, and Splitwave every 5 weeks. Most recently, SIMS LTD was updated on October 7, 2026 and Splitwave on October 11, 2026.

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