SE vs SPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SE
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Split Expenses is the easiest way to manage shared costs among friends, roommates, or group events. Create groups, add members, and track expenses in real-time — no more awkward money talks or complicated calculations! Key Features: - Create groups with friends and family; - Track who owes what with automatic calculations; - Perfect for trips, parties, shared bills, and more. Whether you’re sharing rent, dinner, or travel costs, Split Expenses keeps it fair and simple. Download now and start splitting smarter!
SPay
Manage multiple cryptocurrencies and fund a virtual Visa card for worldwide online spending. Track transactions in real-time and secure your account with biometric login and 24/7 customer support.
- Manage multiple cryptocurrencies
- Virtual Visa card
- Global online spending
- Real-time transaction tracking
- Passcode and biometric login
- 24/7 customer support
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SPay is a digital wallet developed and operated by NOVARA TECH L.L.C S.O.C — a licensed technology company. With SPay you can: - Hold and manage crypto across multiple wallets, including USDT, USDC, ETH and TRX - Deposit crypto quickly and securely to fund your account - Get a SPay virtual Visa card and load it from your wallet balance - Spend online worldwide and withdraw from your card balance - Track every transaction with a clear, real-time history - Stay protected with passcode and biometric login - Receive instant push notifications on card activity - Reach 24/7 customer support whenever you need it Download SPay today and experience the future of digital payments. Privacy Policy: https://spay.finance/privacy-policy Support: https://spay.finance/support
Screenshots
Verdict
The clearest difference is ads: SPay at none against SE's shown. SPay also leads on update cadence (every 2 days vs every 3 weeks). On price, in-app purchases, device support and iOS requirement 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. Neither carries in-app purchases, so what you see is what you pay.
SE ships an update every 3 weeks, SPay every 2 days. The most recent releases landed on October 6, 2026 and October 2, 2026 respectively.
| Parameter | SE | SPay |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (1 ratings) — better |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | — | 1 — better |
| Update frequency | Every 3 weeks | Every 2 days — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 40 MB | 39 MB |
| Age rating | 12+ | 4+ |
| Developer | Patricia Rosalis | NOVARA TECH L.L.C S.O.C |
In-app purchases
SE
No in-app purchases
SPay
No in-app purchases
