Comparison

Pay with Sublime vs Settld.

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

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.

Highlights
  • 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
Features
Read full description

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

Pay with Sublime4 screens
Settld.4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 9 days. The most recent releases landed on October 17, 2026 and October 8, 2026 respectively.

Scorecard4 real differences · 6 level
Pay with Sublime versus Settld.: the parameters behind the verdict, then further details
ParameterPay with SublimeSettld.
PriceFreeFree
Rating4.7 (157 ratings)5.0 (1 ratings) — better
Positive reviews85.7% of reviews — better50.0% of reviews
Number of ratings157 — better1
Update frequencyEvery 9 daysEvery 9 days
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS18.515.1 — better
Further details — not scored
Size61 MB53 MB
Age rating17+4+
DeveloperSublime Payments CompanyCulinAI, LLC

Customer experience

Pay with Sublime

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

Settld.

Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

Pay with Sublime

No in-app purchases

None

Settld.

No in-app purchases

Questions

Is Pay with Sublime free?
Pay with Sublime is free to download, with no in-app purchases.
Is Settld. free?
Settld. is free to download, with no in-app purchases.
Which has better reviews, Pay with Sublime or Settld.?
Settld. is rated higher. Pay with Sublime averages 4.7 out of 5 from 157 ratings, while Settld. averages 5.0 from 1 ratings.
Do Pay with Sublime or Settld. have ads?
Neither Pay with Sublime nor Settld. shows ads.
Which is updated more often, Pay with Sublime or Settld.?
Pay with Sublime ships an update every 9 days, and Settld. every 9 days. Most recently, Pay with Sublime was updated on October 17, 2026 and Settld. on October 8, 2026.

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