# MTM pay vs SplitMate AI

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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

## The numbers

| Metric | MTM pay | SplitMate AI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (1 ratings)](https://appshunter.io/ios/app/mtm-pay/id6752014397/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Ad-supported | — |
| Size | 76 MB | 39 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MTM S.A.L](https://appshunter.io/developer/1837875654) | [CHRISTOPHER KOZHAYA SAAD](https://appshunter.io/developer/6781557812) |

## What reviewers say

### MTM pay

[App page](https://appshunter.io/ios/app/mtm-pay/id6752014397)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### SplitMate AI

[App page](https://appshunter.io/ios/app/splitmate-ai/id6781557810)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*