Split Pay vs Crescent Bank
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Split rent into two payments
- Build credit history
- Improve budgeting
- Works with all payment systems
- Autopay functionality
- Free credit reporting option
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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.
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.
- Check account balances
- View loan statements
- Make one-time payments
- Schedule recurring payments
- Track transaction history
- Enable account alerts
- Secure in-app messaging
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
Split Pay ships an update fortnightly, Crescent Bank monthly. The most recent releases landed on October 31, 2026 and October 30, 2026 respectively.
| Parameter | Split Pay | Crescent Bank |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (21K ratings) — better | 4.9 (3K ratings) |
| Positive reviews | 71.9% of reviews | 76.9% of reviews — better |
| Number of ratings | 21K — better | 3K |
| Update frequency | Fortnightly — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Best chart rank | #27 — better | — |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 16.6 | 16.0 — better |
| Further details — not scored | ||
| Size | 66 MB | 120 MB |
| Age rating | 4+ | 4+ |
| Developer | Visible Ideas | Crescent Bank |
Customer experience
Split Pay
Crescent Bank
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
Split Pay
No in-app purchases
Crescent Bank
No in-app purchases









