Pay with Sublime vs Settld.
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
Settld.
Effortlessly divide expenses for any group activity, from dinners to rent. Track who owes what in real-time and send quick payment requests to settle up fast. Avoid awkward group chats and spreadsheets with a simple, stress-free design.
- Split receipts and bills
- Assign items to specific people
- Track balances in real-time
- Send payment requests
- Mark cash payments
- Clean dashboard for active bills
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Settld makes splitting bills effortless. Whether it’s dinner, rent, trips, bars, groceries, or group events, Settld helps you divide expenses fairly and get paid back fast. FEATURES • Split receipts and bills in seconds • Assign items to specific people • Track balances in real time • Send payment requests instantly • Mark cash payments manually • Clean dashboard for active bills • Know exactly who owes what • Fast, simple, stress-free design PERFECT FOR • Restaurants • Roommates • Vacations • Group dinners • Bars and nightlife • Shared purchases • Everyday friend groups NO MORE AWKWARD GROUP CHATS No spreadsheets. No Venmo confusion. No chasing people for money. Just split it. Track it. Get Settld.
Screenshots
Verdict
The clearest difference is review sentiment: Pay with Sublime at 86% against Settld.'s 50%. Pay with Sublime also leads on ratings volume (157 vs 1). Settld.'s advantage is rating (5.0 vs 4.7) and iOS requirement (15.1 vs 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Settld. 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 157 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 86% of Pay with Sublime's written reviews are positive against 50% of Settld.'s, so the app with the better star average is not the one people write more warmly about.
Both ship on a similar rhythm, roughly every 9 days. The most recent releases landed on October 17, 2026 and October 8, 2026 respectively.
| Parameter | Pay with Sublime | Settld. |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (157 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 85.7% of reviews — better | 50.0% of reviews |
| Number of ratings | 157 — better | 1 |
| Update frequency | Every 9 days | Every 9 days |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 18.5 | 15.1 — better |
| Further details — not scored | ||
| Size | 61 MB | 53 MB |
| Age rating | 17+ | 4+ |
| Developer | Sublime Payments Company | CulinAI, LLC |
Customer experience
Pay with Sublime
Settld.
In-app purchases
Pay with Sublime
No in-app purchases
Settld.
No in-app purchases








