Comparison

Split Pay vs Fairtabs

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

Fairtabs

Easily split expenses with friends and roommates. Snap receipts for automatic itemization, track balances, and settle up seamlessly through your preferred payment apps. Manage recurring bills and gain insights into your spending.

Highlights
  • Receipt OCR for automatic data entry
  • One-tap settlement via trusted payment apps
  • Trip expense recaps
  • Running balance per friendship
  • Recurring expense management
  • Spending insights by category and friend
Features
Read full description

Split the bill. Keep the friends. Fairtabs is a modern bill-splitting app for trips, roommates, restaurants, and recurring household costs. Snap a receipt, split it cleanly, and settle in one tap with the wallet your friends already use. WHY FAIRTABS — Receipt OCR. Take a photo of any receipt, and we auto-fill the merchant, total, and (when itemised) the line items. Faded thermal paper, foreign-currency menus, hand-written tabs — we read what we can and let you tap to fix anything we missed. — Wallet handoffs that actually work. When it's time to settle up, tap once to open Venmo, PayPal, or Zelle with the exact amount and recipient pre-filled. Fairtabs never sees, holds, or moves your money — the payment happens entirely inside the wallet app you already trust. — Trip Stories. Every trip becomes a clean recap: who paid the most, who's settled, the timeline of the trip in expenses. The kind of thing you actually want to look back at. — Friend ledgers. One running balance per friendship — across direct expenses and shared groups. No more "wait, what about that thing from Paris three months ago?" — Recurring expenses. Rent, utilities, the streaming bundle. Set them once and let them auto-post each month. — Insights. See where the money goes — by category, by friend, by month. Built-in. Not a paywall. GENEROUS FREE TIER 100 expenses and 5 receipt scans every month, all split types (equal, %, shares, itemized), and one running balance with every friend. For most people, that's more than enough — we'll never paywall the basics of splitting a bill. Free includes the occasional in-app ad to keep the lights on. PLUS, AVAILABLE BY SUBSCRIPTION Fairtabs Plus is an optional auto-renewing subscription. Lifts the 100/month expense cap, unlocks unlimited receipt scans, adds expense search across all your tabs and a 6-month spending trend chart, and removes ads. $1.99/month or $17.99/year. Cancel anytime in your Apple ID settings. PRIVACY YOU CAN ACTUALLY READ We collect what we need to run the app and nothing else. No cross-app tracking. No selling data. Receipt OCR uses Anthropic's Claude API — images are sent for the single inference and not used for training. Full privacy policy: fairtabs.com/privacy. WHO IT'S FOR — Roommates splitting rent, utilities, and groceries — Friends on a trip splitting hotels, dinners, and rideshares — Couples sharing recurring household costs — Anyone who's tired of "you got me back, right?" We built Fairtabs because the existing options got worse, not better. We answer real emails at hello@fairtabs.com. Split the bill. Keep the friends. SUBSCRIPTION Fairtabs Plus — auto-renewing subscription. Available as Monthly ($1.99/month) or Yearly ($17.99/year). Payment is charged to your Apple ID at confirmation of purchase. Subscription automatically renews at the same price unless auto-renew is turned off at least 24 hours before the end of the current period. Manage or cancel anytime in iOS Settings → Subscriptions → Fairtabs Plus. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://fairtabs.com/privacy.html

Screenshots

Split Pay4 screens
Fairtabs4 screens

Verdict

The call

The clearest difference is in-app purchases: Split Pay at none against Fairtabs's 2. Split Pay also leads on ratings volume (20K vs 2) and chart position (#99 vs unranked). Fairtabs's advantage is update cadence (every 3 days vs every 2 weeks). On price, rating, ads and device support 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. Fairtabs sells 2 in-app purchases, starting at $1.99 per month. Split Pay asks for nothing beyond the download.

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 Fairtabs. That said, the two scores are not equally well evidenced: Split Pay has 20K ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

Split Pay ships an update every 2 weeks, Fairtabs every 3 days. The most recent releases landed on October 14, 2026 and October 7, 2026 respectively.

Scorecard6 real differences · 5 level
Split Pay versus Fairtabs: the parameters behind the verdict, then further details
ParameterSplit PayFairtabs
PriceFreeFree
Rating4.9 (20K ratings)5.0 (2 ratings) — better
Positive reviews72.0% of reviews—
Number of ratings20K — better2
Update frequencyEvery 2 weeksEvery 3 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
Best chart rank#99 — better—
DevicesiPhoneiPhone
Requires iOS16.6 — better26.0
Further details — not scored
Size65 MB9 MB
Age rating4+4+
DeveloperVisible IdeasFairtabs

Customer experience

Split Pay

All ratings19,539 ratings
Positive97.1%
Neutral0.6%
Negative2.3%
Written reviews667 reviews
Positive72.0%
Neutral1.5%
Negative26.5%

Fairtabs

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

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

Fairtabs

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Split Pay

No in-app purchases

2 purchases

Fairtabs

Subscriptions2
  • Plus (Monthly)$1.991 Month
  • Plus (Yearly)$17.991 Year

Questions

Is Split Pay free?
Split Pay is free to download, with no in-app purchases.
Is Fairtabs free?
Fairtabs is free to download, with in-app purchases available.
Which has better reviews, Split Pay or Fairtabs?
Fairtabs is rated higher. Split Pay averages 4.9 out of 5 from 20K ratings, while Fairtabs averages 5.0 from 2 ratings.
Do Split Pay or Fairtabs have ads?
Neither Split Pay nor Fairtabs shows ads.
Which is updated more often, Split Pay or Fairtabs?
Split Pay ships an update every 2 weeks, and Fairtabs every 3 days. Most recently, Split Pay was updated on October 14, 2026 and Fairtabs on October 7, 2026.

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