Comparison

Split Pay vs Crescent Bank

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

Head to head
About

Split Pay

This app allows renters to divide their monthly rent into two smaller, more manageable payments. It helps with budgeting and can also be used to build credit history by reporting on-time payments.

Highlights
  • Split rent into two payments
  • Build credit history
  • Improve budgeting
  • Works with all payment systems
  • Autopay functionality
  • Free credit reporting option
Features
Currently charting
Read full description

Split Pay turns your biggest bills into two smaller payments, timed to your paychecks. Same total, smarter timing. There's no credit check, and it works with any landlord or lender. Less pressure. More room to breathe. Split rent, mortgage, or car payments to fit your paycheck rhythm, not the other way around. Your landlord or lender gets paid in full on day one. Download Split Pay to put rent, mortgage, and car payments on your own schedule. SPLIT PAY APP FEATURES: WHY 200,000+ HOUSEHOLDS CHOOSE SPLIT PAY: One bill, two payments, smarter timing. Works with any landlord, lender, or servicer. No building integration, no virtual cards, no workarounds. No established credit history? You can still apply. Eligibility is based on factors such as income and cash flow, not your credit score. Split Pay's dedicated support team gives you access to real humans when you need them, not just a chatbot. Build credit history with reported rent payments. PAY BILLS IN TWO PAYMENTS Choose a bill to split into two: rent, mortgage, or your car payment. Apply in minutes, no credit check. Once you're approved, you'll receive virtual account and routing numbers to add to your payment portal, just like a bank account. Your landlord, lender, or servicer gets paid in full and on the due date. You pay in two smaller parts. That's it. You get more room to breathe every month. WHAT BILLS CAN I SPLIT? Pay rent Pay your mortgage Pay car payments Pay other bills coming soon SIMPLE, TRANSPARENT PRICING Split Pay costs $9.99/month plus 1.5% transaction fee on the amount you split. That's it. The fee is the same no matter how your bill is split. Income arrives on a schedule. Bills don't. Banks move money. Split Pay moves timing. Download Split Pay to put rent, mortgage, and car payments on your own schedule. Split Pay is a financial technology company, not a bank. Banking services are provided by Evolve Bank & Trust, Members FDIC.

About

Crescent Bank

Manage your banking and auto loans conveniently from your mobile device. Check balances, view statements, make payments, and track transaction activity. Stay informed with alerts and communicate securely with the bank.

Highlights
  • Check account balances
  • View loan statements
  • Make one-time payments
  • Schedule recurring payments
  • Track transaction history
  • Enable account alerts
  • Secure in-app messaging
Features
Read full description

Use the Crescent Bank mobile App to manage your Banking and auto loans with us. Whether you want to check your balance, make a payment or just check your transaction activity, the Crescent Bank app makes it easy for you to manage your account, at a time and place convenient to you. For your auto loans: ▪ View balances and statements for your loans with us ▪ Make a one-time payment or schedule recurring payments ▪ View all the transaction activity on your account ▪ Keep your contact information up to date ▪ Stay informed when you enable alerts ▪ Reach us through secured mail for any questions you may have For your banking accounts: ▪ View balances and statements for all of your personal accounts with us ▪ See everything that happens on your account through transaction history ▪ Pay your bills and take care of any loan payments ▪ Keep your contact information up to date ▪ Stay informed when you enable alerts ▪ Reach us through secured mail for any questions you may have Crescent Bank app is a free service. Please check with your mobile service provider for any fees and charges that may apply to use this service. Alerts need to be enabled to be received and some alerts may not be received in real-time. Not all features will be available to all customers, depending on account type and status of account. The actual experiences may vary as we continue to evolve the app functionality to meet our customer needs. Crescent Bank is a member of the Federal Deposit Insurance Corporation (FDIC).

Screenshots

Split Pay4 screens
Crescent Bank4 screens

Verdict

The call

The clearest difference is monetization model: Split Pay at free against Crescent Bank's free with in-app purchases. Split Pay also leads on chart position (#27 vs unranked) and ratings volume (21K vs 3K). On price, rating, review sentiment and update cadence 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

On the App Store both sit at effectively the same score — 4.9 for Split Pay against 4.9 for Crescent Bank. That said, the two scores are not equally well evidenced: Split Pay has 21K ratings behind it against 3K, so its average is the more settled of the two. Written reviews are what separate them: 72% of Split Pay's written reviews are positive against 77% of Crescent Bank's.

UpkeepUpdate frequency

Split Pay ships an update fortnightly, Crescent Bank monthly. The most recent releases landed on October 31, 2026 and October 30, 2026 respectively.

Scorecard3 real differences · 8 level
Split Pay versus Crescent Bank: the parameters behind the verdict, then further details
ParameterSplit PayCrescent Bank
PriceFreeFree
Rating4.9 (21K ratings) — better4.9 (3K ratings)
Positive reviews71.9% of reviews76.9% of reviews — better
Number of ratings21K — better3K
Update frequencyFortnightly — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
Best chart rank#27 — better—
DevicesiPhoneiPhone, iPad — better
Requires iOS16.616.0 — better
Further details — not scored
Size66 MB120 MB
Age rating4+4+
DeveloperVisible IdeasCrescent Bank

Customer experience

Split Pay

All ratings20,390 ratings
Positive97.2%
Neutral0.6%
Negative2.2%
Written reviews701 reviews
Positive71.9%
Neutral1.6%
Negative26.5%

Crescent Bank

All ratings2,873 ratings
Positive97.6%
Neutral1.5%
Negative0.9%
Written reviews13 reviews
Positive76.9%
Neutral7.7%
Negative15.4%

Bugs and requests

Split Pay

Reported bugs

3 issues
  • Login screen freezes
  • Incompatibility with certain bank accounts
  • Payments not showing up in app after being processed

Requested features

4 requests
  • Ability to change payment dates after initial setup
  • Option to adjust second split pay date within 30-day period
  • Integration with property management payment portals
  • Clearer communication on approval process and reasons for account suspension

Crescent Bank

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Split Pay

No in-app purchases

None

Crescent Bank

No in-app purchases

Questions

Is Split Pay free?
Split Pay is free to download, with no in-app purchases.
Is Crescent Bank free?
Crescent Bank is free to download, with no in-app purchases.
Which has better reviews, Split Pay or Crescent Bank?
Split Pay is rated higher. Split Pay averages 4.9 out of 5 from 21K ratings, while Crescent Bank averages 4.9 from 3K ratings.
Do Split Pay or Crescent Bank have ads?
Neither Split Pay nor Crescent Bank shows ads.
Which is updated more often, Split Pay or Crescent Bank?
Split Pay ships an update fortnightly, and Crescent Bank monthly. Most recently, Split Pay was updated on October 31, 2026 and Crescent Bank on October 30, 2026.

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