Comparison

Split Pay vs Settld.

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

Settld.

Effortlessly divide expenses for any group activity, from dinners to rent. Track who owes what in real-time and send quick payment requests to settle up fast. Avoid awkward group chats and spreadsheets with a simple, stress-free design.

Highlights
  • Split receipts and bills
  • Assign items to specific people
  • Track balances in real-time
  • Send payment requests
  • Mark cash payments
  • Clean dashboard for active bills
Features
Read full description

Settld makes splitting bills effortless. Whether it’s dinner, rent, trips, bars, groceries, or group events, Settld helps you divide expenses fairly and get paid back fast. FEATURES • Split receipts and bills in seconds • Assign items to specific people • Track balances in real time • Send payment requests instantly • Mark cash payments manually • Clean dashboard for active bills • Know exactly who owes what • Fast, simple, stress-free design PERFECT FOR • Restaurants • Roommates • Vacations • Group dinners • Bars and nightlife • Shared purchases • Everyday friend groups NO MORE AWKWARD GROUP CHATS No spreadsheets. No Venmo confusion. No chasing people for money. Just split it. Track it. Get Settld.

Screenshots

Split Pay4 screens
Settld.4 screens

Verdict

The call

The clearest difference is ratings volume: Split Pay at 20K against Settld.'s 1. Split Pay also leads on review sentiment (72% vs 50%) and chart position (#98 vs unranked). Settld.'s advantage is device support (3 vs 1). On price, rating, update cadence and ads 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 5.0 for Settld.. That said, the two scores are not equally well evidenced: Split Pay has 20K ratings behind it against 1, 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 50% of Settld.'s.

UpkeepUpdate frequency

Split Pay ships an update every 2 weeks, Settld. every 9 days. The most recent releases landed on October 14, 2026 and September 21, 2026 respectively.

Scorecard4 real differences · 7 level
Split Pay versus Settld.: the parameters behind the verdict, then further details
ParameterSplit PaySettld.
PriceFreeFree
Rating4.9 (20K ratings)5.0 (1 ratings) — better
Positive reviews71.9% of reviews — better50.0% of reviews
Number of ratings20K — better1
Update frequencyEvery 2 weeksEvery 9 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#98 — better—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.615.1 — better
Further details — not scored
Size65 MB53 MB
Age rating4+4+
DeveloperVisible IdeasCulinAI, LLC

Customer experience

Split Pay

All ratings19,539 ratings
Positive97.1%
Neutral0.6%
Negative2.3%
Written reviews684 reviews
Positive71.9%
Neutral1.6%
Negative26.5%

Settld.

Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

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

Settld.

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Split Pay

No in-app purchases

None

Settld.

No in-app purchases

Questions

Is Split Pay free?
Split Pay is free to download, with no in-app purchases.
Is Settld. free?
Settld. is free to download, with no in-app purchases.
Which has better reviews, Split Pay or Settld.?
Settld. is rated higher. Split Pay averages 4.9 out of 5 from 20K ratings, while Settld. averages 5.0 from 1 ratings.
Do Split Pay or Settld. have ads?
Neither Split Pay nor Settld. shows ads.
Which is updated more often, Split Pay or Settld.?
Split Pay ships an update every 2 weeks, and Settld. every 9 days. Most recently, Split Pay was updated on October 14, 2026 and Settld. on September 21, 2026.

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