Comparison

Pay with Sublime vs Split Pay

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

Head to head
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.

About

Split Pay

Effortlessly split bills and track reimbursements by scanning receipts or manually entering items. Assign costs, calculate taxes and tips, and generate payment details for popular apps. Enjoy private, local-first bill splitting without account creation or subscriptions.

Highlights
  • Receipt scanning with item assignment
  • Manual bill splitting
  • Fair split of shared dishes
  • Proportional tax, tip, and discount application
  • Generate payment details for Venmo, Cash App, PayPal, Zelle
  • Instant total sharing
Features
Read full description

Split Pay: Get Paid Back helps you scan a receipt, assign every item, and send reimbursement details fast without doing the math yourself. Full receipt scanning requires iOS 26.0 or later and a compatible Apple Intelligence iPhone, including iPhone 15 Pro, iPhone 15 Pro Max, and iPhone 16 models or later. On other supported devices, you can still split bills manually. Use Split Pay to: - Scan a receipt and pull in line items - Add people and assign items in a tap - Split shared dishes fairly - Apply tax, tip, extra charges, and discounts proportionally - Generate share-ready payment details for Venmo, Cash App, PayPal, and Zelle - Copy or share each person’s total instantly Why people use Split Pay: - No account creation required - No subscription or in-app purchase required - Private, local-first bill splitting - Fast manual fallback when scanning is unavailable - Built for real group dinners, takeout, trips, and any

Screenshots

Pay with Sublime4 screens
Split Pay4 screens

Verdict

The call

The clearest difference is ratings volume: Pay with Sublime at 224 against Split Pay's 1. Pay with Sublime also leads on iOS requirement (18.5 vs 26.0). Split Pay's advantage is rating (5.0 vs 4.7). On price, ads, in-app purchases and monetization model 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.

ReceptionRating · Positive reviews · Number of ratings

Split Pay holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Pay with Sublime has 224 ratings behind it against 1, so its average is the more settled of the two.

Scorecard3 real differences · 7 level
Pay with Sublime versus Split Pay: the parameters behind the verdict, then further details
ParameterPay with SublimeSplit Pay
PriceFreeFree
Rating4.7 (224 ratings)5.0 (1 ratings) — better
Positive reviews85.7% of reviews—
Number of ratings224 — better1
Update frequencyEvery 9 days—
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad — betteriPhone
Requires iOS18.5 — better26.0
Further details — not scored
Size61 MB2 MB
Age rating17+4+
DeveloperSublime Payments CompanyBrian Kim

Customer experience

Pay with Sublime

All ratings157 ratings
Positive92.4%
Neutral1.9%
Negative5.7%
Written reviews14 reviews
Positive85.7%
Neutral0.0%
Negative14.3%

Split Pay

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Pay with Sublime

No in-app purchases

None

Split Pay

No in-app purchases

Questions

Is Pay with Sublime free?
Pay with Sublime is free to download, with no in-app purchases.
Is Split Pay free?
Split Pay is free to download, with no in-app purchases.
Which has better reviews, Pay with Sublime or Split Pay?
Split Pay is rated higher. Pay with Sublime averages 4.7 out of 5 from 224 ratings, while Split Pay averages 5.0 from 1 ratings.
Do Pay with Sublime or Split Pay have ads?
Neither Pay with Sublime nor Split Pay shows ads.

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