Comparison

MTM pay vs SplitMate AI

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

Head to head
About

MTM pay

This digital wallet simplifies saving, sending, and receiving money with secure, user-friendly features. It offers seamless transactions, bill payments, mobile top-ups, and financial management tools for everyday needs.

Highlights
  • E-wallet account approval
  • Secure transactions with encryption and biometrics
  • Instant money transfers
  • Bill payments and mobile top-ups
  • QR code payments
  • Transaction history and reports
  • Digital receipts and notifications
Features
Read full description

A secure and user-friendly digital wallet that allows you to save, send and receive money anytime, anywhere. Our E-wallet offers seamless transactions, bill payments, mobile top-ups, and financial managements tools all in one convenient app. Fast, reliable and it is built for your everyday needs. Key features: E-wallet Account approval in minutes. Secure transaction: End-to-end encryption, biometric login and transaction PINs to protect user and data funds. Fast & Reliable Delivery Options: choose from multiple payout methods – bank deposit, mobile wallet, cash pickup. Instant Money Transfers: send and receive money instantly with competitive exchange rates and low fees. Bill Payments. Mobile Top-ups & recharges. QR code Payments Make seamless in-store payments via QR codes. Transactions History & Reports, view detailed transaction records and generate reports for personal or business tracking. Digital Receipts & Notifications, get real-time notifications and digital receipts for every transaction. Secure Transactions, End-to-end encryption, biometric login, and transaction PIN to protect user data and funds

About

SplitMate AI

Features
Read full description

SplitMate AI makes splitting bills simple, fast and stress-free. Whether you're at a restaurant, on holiday, sharing accommodation or splitting everyday expenses with friends, SplitMate AI helps everyone pay their fair share. Features: • Scan receipts with AI • Split bills fairly between multiple people • Combine payments for couples or groups • Spin the wheel to randomly choose who pays • Save and reload previous bills • Track your spending with statistics • Add tips instantly • Support multiple currencies • Share bill summaries with friends Designed to make group payments effortless, transparent and even a little fun. No complicated setup. No accounts required. Just split, save and share. Split smarter with SplitMate AI.

Screenshots

MTM pay4 screens
SplitMate AI4 screens

Verdict

The call

MTM pay and SplitMate AI are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on September 21, 2026 and October 4, 2026 respectively.

ScorecardNo meaningful differences
MTM pay versus SplitMate AI: the parameters behind the verdict, then further details
ParameterMTM paySplitMate AI
PriceFreeFree
Rating3.0 (1 ratings) — better—
Positive reviews0.0% of reviews—
Number of ratings1 — better—
Update frequencyFortnightlyFortnightly
AdsYesYes
In-app purchasesNoNo
MonetizationAd-supported—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size76 MB39 MB
Age rating4+4+
DeveloperMTM S.A.LCHRISTOPHER KOZHAYA SAAD

In-app purchases

None

MTM pay

No in-app purchases

None

SplitMate AI

No in-app purchases

Questions

Is MTM pay free?
MTM pay is free to download, with no in-app purchases.
Is SplitMate AI free?
SplitMate AI is free to download, with no in-app purchases.
Do MTM pay or SplitMate AI have ads?
Both MTM pay and SplitMate AI show ads.
Which is updated more often, MTM pay or SplitMate AI?
MTM pay ships an update fortnightly, and SplitMate AI fortnightly. Most recently, MTM pay was updated on September 21, 2026 and SplitMate AI on October 4, 2026.

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