Comparison

OnTopic Chat vs SettleIt

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

OnTopic Chat

This social networking app provides a vast library of curated questions and trending topics to facilitate engaging conversations. It offers various question types, from fun challenges to debate prompts, designed to help users connect and deepen relationships.

Highlights
  • Curated conversation starters
  • Daily trending topics
  • Truth or dare challenges
  • Icebreaker questions
  • Newlywed quizzes
  • Debate topics
  • End-to-end encryption
Features
Read full description

OnTopic is the ultimate chat app for sparking great conversations with the people you know. With thousands of carefully curated questions and trending topics, you’ll never run out of things to talk about! Whether you’re reconnecting with friends, bonding with a partner, or getting to know someone new, OnTopic makes every chat engaging. From fun truth or dare questions to lively debate topics and romantic newlywed quizzes, OnTopic brings people closer through better conversations. Plus, with a secure, topic-based chat interface, you can keep discussions flowing effortlessly. Key Features: • A massive library of conversation starters with new trending topics daily • Truth or dare challenges to add fun and spontaneity • Icebreakers that make getting to know someone effortless • Newlywed quizzes to test how well you know your partner • Trending debate topics to inspire engaging discussions • Question-based texting for smooth, organized conversations • End-to-end encryption to keep your chats private and secure Great conversations start with great questions. Get Talking. Get Connected. Download OnTopic now!

About

SettleIt

Features
Read full description

Got a dilemma? Arguing with friends? Need a second opinion? SettleIt lets the community decide! SettleIt is the ultimate social app to post your questions, debates, and decisions and let others vote. Whether you’re torn between outfits, want opinions on relationship drama, or just love sharing spicy polls — we’ve got you. What you can do: • Create posts with up to 4 poll options. • Vote on hot debates and see live results. • View breakdowns by gender and age groups. • Bet coins on poll outcomes and win rewards. • Add images or videos for context. • Participate in discussion threads and series. • Unlock achievements and customize your profile with cosmetics. Why people love SettleIt: • Real-time, user-generated content. • A fun and anonymous way to settle anything. • Gamified experience with leaderboards and badges. • Clean and friendly community with moderation tools. Perfect for: • Spicy relationship questions • Fashion dilemmas • Hot takes on pop culture, gaming, or lifestyle • Getting feedback fast — and having fun doing it Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

OnTopic Chat4 screens
SettleIt4 screens

Verdict

The call

The clearest difference is ads: SettleIt at none against OnTopic Chat's shown. On price, update cadence, in-app purchases 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. OnTopic Chat sells 10 one-off in-app purchases and SettleIt sells 1 in-app purchase, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

OnTopic Chat ships an update every 3 months, SettleIt every 6 weeks. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.

Scorecard1 real difference · 9 level
OnTopic Chat versus SettleIt: the parameters behind the verdict, then further details
ParameterOnTopic ChatSettleIt
PriceFreeFree
Rating5.0 (4 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings4 — better—
Update frequencyEvery 3 monthsEvery 6 weeks — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationAd-supported—
DevicesiPhoneiPhone, iPad — better
Requires iOS17.0 — better18.1
Further details — not scored
Size81 MB108 MB
Age rating17+12+
DeveloperOnTopic LLCDavid Gomez

In-app purchases

10 purchases

OnTopic Chat

One-time10
  • AI & Ethics$1.99
  • Morality & Human Nature$1.99
  • Justice & Power$1.99
Show 7 more
  • Family and Inlaws$2.99
  • Communication, Trust and Power$2.99
  • Sex and Intimacy$3.99
  • Four Play$9.99
  • Bare It All$9.99
  • Kiss and Tell$14.99
  • Foxy Friends$14.99
1 purchases

SettleIt

Subscriptions1
  • SettleIt Monthly Premium$0.991 Month

Questions

Is OnTopic Chat free?
OnTopic Chat is free to download, with in-app purchases available.
Is SettleIt free?
SettleIt is free to download, with in-app purchases available.
Do OnTopic Chat or SettleIt have ads?
OnTopic Chat shows ads; SettleIt does not.
Which is updated more often, OnTopic Chat or SettleIt?
OnTopic Chat ships an update every 3 months, and SettleIt every 6 weeks. Most recently, OnTopic Chat was updated on November 3, 2026 and SettleIt on November 5, 2026.

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