# Split Pay vs Pay with Sublime

The clearest difference is ratings volume: Split Pay at 20K against Pay with Sublime's 157. Split Pay also leads on rating (4.9 vs 4.7) and chart position (#94 vs unranked). Pay with Sublime's advantage is review sentiment (86% vs 72%). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Split Pay holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: Split Pay has 20K ratings behind it against 157, so its average is the more settled of the two. Written reviews complicate that: 72% of Split Pay's written reviews are positive against 86% of Pay with Sublime's, so the app with the better star average is not the one people write more warmly about.

Split Pay ships an update every 2 weeks, Pay with Sublime every 9 days. The most recent releases landed on October 15, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | Split Pay | Pay with Sublime |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (20K ratings)](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850/reviews)** | [4.7 (157 ratings)](https://appshunter.io/ios/app/pay-with-sublime/id6753262106/reviews) |
| Number of ratings | **20K** | 157 |
| Positive reviews | 71.9% of reviews | **85.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 9 days** |
| Monetization | Free | Free |
| Best chart rank | **#94** | — |
| Size | 65 MB | 61 MB |
| Requires iOS | **16.6** | 18.5 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 17+ |
| Developer | [Visible Ideas](https://appshunter.io/developer/1685211689) | [Sublime Payments Company](https://appshunter.io/developer/1843249098) |

## What reviewers say

### Split Pay

[App page](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850)

**Currently charting:** #94 Top Free · Finance (US App Store)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Great service with team members that go above and beyond
- 👍 Easy to use and intuitive
- 💡 Helpful split pay feature
- 🚀 Smooth and seamless process
- 👍 Convenient for budgeting and managing rent payments

**What reviewers complain about**

- 🐛 Delayed rent payments to landlord
- 🐛 Accounts suspended with no explanation
- 🐛 Difficult to get approved for split pay
- 🐛 App crashes and freezes
- 🐛 Lack of integration with property management portals

**Reported bugs**

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

**Requested features**

- 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


### Pay with Sublime

[App page](https://appshunter.io/ios/app/pay-with-sublime/id6753262106)

This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.

**Highlights:** Split bills into smaller payments, Earn 5% cash back on timely payments, Automatic bill negotiation, Finds hidden savings, Subscription tracking and management, Due date alerts

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Split Pay free?

Split Pay is free to download, with no in-app purchases.

### Is Pay with Sublime free?

Pay with Sublime is free to download, with no in-app purchases.

### Which has better reviews, Split Pay or Pay with Sublime?

Split Pay is rated higher. Split Pay averages 4.9 out of 5 from 20K ratings, while Pay with Sublime averages 4.7 from 157 ratings.

### Do Split Pay or Pay with Sublime have ads?

Neither Split Pay nor Pay with Sublime shows ads.

### Which is updated more often, Split Pay or Pay with Sublime?

Split Pay ships an update every 2 weeks, and Pay with Sublime every 9 days. Most recently, Split Pay was updated on October 15, 2026 and Pay with Sublime on October 13, 2026.

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