Comparison

Splitify vs Pay with Sublime

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

Head to head
About

Splitify

Features
Read full description

Splitify is the independent way to split expenses with friends, roommates, and travel buddies. No account to create, no ads to sit through, no bank behind it, no limits on what you can log — and it's free. Forever. Open the app and start splitting in seconds. Your friends don't need to sign up either: share an invite link and they're in. WHY SPLITIFY IS DIFFERENT - No account needed — not even an email. Download, open, split. - Free forever — every feature included. No premium tier, no daily expense limits, no paywalled essentials. - No ads — nothing standing between you and your expenses. - Independent and private — Splitify isn't owned by a bank and doesn't sell your data. Your spending stays yours. EVERYTHING YOU NEED TO SETTLE UP - Splits for every occasion — create a group for your trip, your flat, your team, or your relationship. - Clear balances — always know who owes what, and settle up in a tap. - Any currency — log expenses in different currencies, with exchange rates handled for you. - Recurring expenses — set up rent, utilities, or shared subscriptions once, and Splitify keeps every month's balances right. - Works offline — no signal on the road? Log now, sync later. - Smart notifications — customizable alerts so nothing gets forgotten, without nagging anyone. - Make it yours — light and dark mode, with your own accent color for each. - In your language — English, French, and Spanish. PERFECT FOR - Trips and holidays: hotels, meals, fuel — in any currency. - Roommates: rent, groceries, utilities. - Couples: everyday shared spending. - Friends and teams: dinners, gifts, events, subscriptions. Split expenses. Keep your privacy. That's the whole deal.

About

Pay with Sublime

This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.

Highlights
  • Split bills into smaller payments
  • Earn 5% cash back on timely payments
  • Automatic bill negotiation
  • Finds hidden savings
  • Subscription tracking and management
  • Due date alerts
Features
Read full description

Pay your bills over time — then lower them. Sublime is the smartest way to manage the bills you already pay and save. Split bills into easy weekly payments, earn cash back, and let AI bring your bills down in the background. SPLIT ANY BILL INTO 4 WEEKLY PAYMENTS Stop juggling between due dates and payday. Sublime pays your bills, and you pay back over time on your schedule. A $400 bill becomes four $100 weeks — no late fees, no surprises, no overdrafts. EARN 5% CASH BACK WHEN YOU PAY OVER TIME The more bills you run through Sublime, the more you earn back. Get paid, to pay your bills. AI THAT LOWERS YOUR BILLS AUTOMATICALLY Sublime scans your accounts to find where you're overpaying, then applies discounts, promotions, and savings programs you qualify for. You don't haggle, call customer service, or compare quotes — Sublime does it for you. WORKS ON THE BILLS YOU ALREADY PAY Cell phone and internet Auto and home insurance Electricity, gas, and water Childcare and daycare Streaming and subscriptions BUILT FOR YOUR PEACE OF MIND Bank-level encryption. Clear pricing. No hidden fees. You're always in control of what gets paid and when. Download Sublime and start paying less for the bills you can't avoid.

Screenshots

Splitify4 screens
Pay with Sublime4 screens

Verdict

The call

The clearest difference is iOS requirement: Splitify at 16.0 against Pay with Sublime's 18.5. On price, update cadence, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Splitify ships an update weekly, Pay with Sublime every 9 days. The most recent releases landed on September 16, 2026 and September 26, 2026 respectively.

Scorecard1 real difference · 9 level
Splitify versus Pay with Sublime: the parameters behind the verdict, then further details
ParameterSplitifyPay with Sublime
PriceFreeFree
Rating—4.7 (157 ratings) — better
Positive reviews—85.7% of reviews
Number of ratings—157 — better
Update frequencyWeekly — betterEvery 9 days
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhoneiPhone, iPad — better
Requires iOS16.0 — better18.5
Further details — not scored
Size34 MB61 MB
Age rating4+17+
DeveloperLoik Faure-BerlinguetteSublime Payments Company

In-app purchases

None

Splitify

No in-app purchases

None

Pay with Sublime

No in-app purchases

Questions

Is Splitify free?
Splitify is free to download, with no in-app purchases.
Is Pay with Sublime free?
Pay with Sublime is free to download, with no in-app purchases.
Do Splitify or Pay with Sublime have ads?
Neither Splitify nor Pay with Sublime shows ads.
Which is updated more often, Splitify or Pay with Sublime?
Splitify ships an update weekly, and Pay with Sublime every 9 days. Most recently, Splitify was updated on September 16, 2026 and Pay with Sublime on September 26, 2026.

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