FIRST PACE CU vs ZipSplit
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FIRST PACE CU
Manage your finances conveniently from your mobile device. Check balances, review transactions, transfer funds, and pay bills securely on the go. Enrollment for online banking and password resets are also available.
- Check account balances
- Review recent transactions
- Transfer funds
- View and pay bills
- Enroll for online banking
- Password reset
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Access your accounts when and where you want right in the palm of your hand. It’s fast, secure and free access to your accounts anytime, anywhere. You have access to check your balances and transfer money...while you are on the go! Features: • Check your account balances • Review recent transactions • Transfer funds between your accounts • View and pay bills. • Enroll for OLB & Mobiliti via the mobile app. • Click on forgot password to change your password. Federally insured by the NCUA.
ZipSplit
Effortlessly split bills from itemized receipts directly within iMessage. Friends can tap their items and pay via Venmo, Cash App, or Zelle without needing the app.
- iMessage integration
- Receipt scanning for itemized bills
- Friends pay without installing
- Supports Venmo, Cash App, Zelle
- Accurate tax and tip proration
- Handles shared items and partial shares
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Stop chasing "Venmo me $30 for dinner." ZipSplit lives inside iMessage. Snap the receipt at the end of dinner, send one message, and friends tap exactly what they had. Everyone gets a payment link in Venmo, Cash App, or Zelle, whichever they prefer. No more group-text math. No more guessing what Sarah's wine cost. No more "I'll get you next time" that never happens. HOW IT WORKS Open ZipSplit in your iMessage app drawer Snap a photo of an itemized receipt. Items, tax, and tip read automatically in seconds Send the message. Everyone taps exactly what they had Get paid via Venmo, Cash App, or Zelle in a couple taps FRIENDS NEVER INSTALL ANYTHING This is the part that changes everything. Your friends don't need to download ZipSplit. They don't need an account. They don't need to enter a phone number. They tap the message in iMessage and the claim screen opens instantly. App Clip on iPhone, web for everyone else. They tap what they ate, see what they owe, and get a one-tap link to send you money in whichever app you both use. This means ZipSplit actually works on the first dinner. No "wait, can everyone download something real quick?" No three friends who never install it and never pay. Just send and done. MATH THAT ACTUALLY WORKS Most bill-splitters get the easy cases right and the real cases wrong. ZipSplit handles the awkward ones: • Tax and tip prorated by what each person actually ordered, not divided equally • Shared appetizers split evenly across the whole table with one tap • Service charges and processing fees handled like tax (proportional, not flat) • Partial items supported with one-tap ½ and ⅓ fractions, or claim exact counts on multi-quantity items • Rounding residual goes to the host so receipt totals always reconcile to the penny If you've ever paid for someone else's $40 cocktail because they "forgot," this is for you. PERFECT FOR Group dinners. Office lunches. Costco runs with the roommates. Vacation expenses. Parties with eight people and eight different Venmo handles. Anywhere you'd otherwise be doing math at the table or chasing someone for $25 three weeks later. Heads up: ZipSplit needs an itemized receipt to parse. The total-only credit card slip won't work. PAYMENT OPTIONS ZipSplit builds the payment link for whichever app you and your friends prefer: • Venmo: deep link with amount and note pre-filled • Cash App: deep link with amount and $cashtag pre-filled • Zelle: phone or email copied to clipboard so they can send instantly Set up your handles once in Settings. Every future split uses them automatically. PRIVACY BY DESIGN ZipSplit is built to know as little about you as possible. • No accounts. No logins. No phone numbers • Friends who claim never sign up for anything • Live split links expire after 30 days • Your splits save to your history so you can look back anytime. Delete one split or clear everything right from the app: both remove the data from our server immediately • No marketing emails. Ever. We don't sell your data PRICING Everything is free during the beta: unlimited splits, saved history, all of it. Friends you split with are always free. ZipSplit Pro is an optional auto-renewing subscription. Monthly: $0.99/month. Yearly: $7.99/year (about $0.67/month). Payment is charged to your Apple Account at purchase confirmation. It renews automatically unless auto-renew is turned off at least 24 hours before the period ends. Manage or cancel anytime in your Apple Account settings. Privacy Policy: https://zipsplit.io/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is in-app purchases: FIRST PACE CU at none against ZipSplit's 2. FIRST PACE CU also leads on ratings volume (4 vs 1) and iOS requirement (15.0 vs 17.0). ZipSplit's advantage is ads (none vs shown) and update cadence (monthly vs every 6 months). On price 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
Both are free to download. ZipSplit sells 2 in-app purchases, starting at $0.99 per month. FIRST PACE CU asks for nothing beyond the download.
ZipSplit holds the better App Store score, 5.0 against 4.8. Both are backed by a comparable volume of ratings — 4 and 1 respectively.
FIRST PACE CU ships an update every 6 months, ZipSplit monthly. The most recent releases landed on October 5, 2026 and October 12, 2026 respectively.
| Parameter | FIRST PACE CU | ZipSplit |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (4 ratings) | 5.0 (1 ratings) — better |
| Number of ratings | 4 — better | 1 |
| Update frequency | Every 6 months | Monthly — better |
| Ads | Yes | No — better |
| In-app purchases | No — better | Yes |
| Monetization | Ad-supported — better | Free with in-app purchases |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 115 MB | 6 MB |
| Age rating | 4+ | 4+ |
| Developer | FIRST PACE CREDIT UNION | 25C LLC |
Customer experience
FIRST PACE CU
ZipSplit
In-app purchases
FIRST PACE CU
No in-app purchases
ZipSplit
- SplitBot Pro$0.991 Month
- SplitBot Pro$7.991 Year
Questions
Is FIRST PACE CU free?
Is ZipSplit free?
Which has better reviews, FIRST PACE CU or ZipSplit?
Do FIRST PACE CU or ZipSplit have ads?
Which is updated more often, FIRST PACE CU or ZipSplit?
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