# Split Pay vs Settld.

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.

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 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.

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.

## The numbers

| Metric | Split Pay | Settld. |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (20K ratings)](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/settld/id6762236160/reviews)** |
| Number of ratings | **20K** | 1 |
| Positive reviews | **71.9% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 9 days** |
| Monetization | Free | Free |
| Best chart rank | **#98** | — |
| Size | 65 MB | 53 MB |
| Requires iOS | 16.6 | **15.1** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Visible Ideas](https://appshunter.io/developer/1685211689) | [CulinAI, LLC](https://appshunter.io/developer/1890934992) |

## What reviewers say

### Split Pay

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

**Currently charting:** #98 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


### Settld.

[App page](https://appshunter.io/ios/app/settld/id6762236160)

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:** macOS Compatibility, Apple Wallet, 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 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.

---

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