# Split Pay vs Pony Up

The clearest difference is in-app purchases: Split Pay at none against Pony Up's 2. Split Pay also leads on chart position (#81 vs unranked). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Pony Up sells 2 in-app purchases, starting at $2.99 per month. Split Pay asks for nothing beyond the download.

Split Pay ships an update fortnightly, Pony Up every 2 weeks. The most recent releases landed on November 7, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | Split Pay | Pony Up |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (21K ratings)](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850/reviews)** | — |
| Number of ratings | **21K** | — |
| Positive reviews | 72.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 2 weeks** |
| Monetization | Free | — |
| Best chart rank | **#81** | — |
| Size | 66 MB | 48 MB |
| Requires iOS | 16.6 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Visible Ideas](https://appshunter.io/developer/1685211689) | [Abyss Enterprises Northwest LLC](https://appshunter.io/developer/6786781846) |

## What reviewers say

### Split Pay

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

**Currently charting:** #81 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


### Pony Up

[App page](https://appshunter.io/ios/app/pony-up-split-bills/id6797995013)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pony Up Pro Monthly | $2.99 | per month |
| Pony Up Pro Annual | $19.99 | per year |


## Frequently asked questions

### Is Split Pay free?

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

### Is Pony Up free?

Pony Up is free to download, with in-app purchases available.

### Do Split Pay or Pony Up have ads?

Neither Split Pay nor Pony Up shows ads.

### Which is updated more often, Split Pay or Pony Up?

Split Pay ships an update fortnightly, and Pony Up every 2 weeks. Most recently, Split Pay was updated on November 7, 2026 and Pony Up on November 6, 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.*