Comparison

Pay with Sublime vs Fairtabs

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

Fairtabs

Easily split expenses with friends and roommates. Snap receipts for automatic itemization, track balances, and settle up seamlessly through your preferred payment apps. Manage recurring bills and gain insights into your spending.

Highlights
  • Receipt OCR for automatic data entry
  • One-tap settlement via trusted payment apps
  • Trip expense recaps
  • Running balance per friendship
  • Recurring expense management
  • Spending insights by category and friend
Features
Read full description

Split the bill. Keep the friends. Fairtabs is a modern bill-splitting app for trips, roommates, restaurants, and recurring household costs. Snap a receipt, split it cleanly, and settle in one tap with the wallet your friends already use. WHY FAIRTABS — Receipt OCR. Take a photo of any receipt, and we auto-fill the merchant, total, and (when itemised) the line items. Faded thermal paper, foreign-currency menus, hand-written tabs — we read what we can and let you tap to fix anything we missed. — Wallet handoffs that actually work. When it's time to settle up, tap once to open Venmo, PayPal, or Zelle with the exact amount and recipient pre-filled. Fairtabs never sees, holds, or moves your money — the payment happens entirely inside the wallet app you already trust. — Trip Stories. Every trip becomes a clean recap: who paid the most, who's settled, the timeline of the trip in expenses. The kind of thing you actually want to look back at. — Friend ledgers. One running balance per friendship — across direct expenses and shared groups. No more "wait, what about that thing from Paris three months ago?" — Recurring expenses. Rent, utilities, the streaming bundle. Set them once and let them auto-post each month. — Insights. See where the money goes — by category, by friend, by month. Built-in. Not a paywall. GENEROUS FREE TIER 100 expenses and 5 receipt scans every month, all split types (equal, %, shares, itemized), and one running balance with every friend. For most people, that's more than enough — we'll never paywall the basics of splitting a bill. Free includes the occasional in-app ad to keep the lights on. PLUS, AVAILABLE BY SUBSCRIPTION Fairtabs Plus is an optional auto-renewing subscription. Lifts the 100/month expense cap, unlocks unlimited receipt scans, adds expense search across all your tabs and a 6-month spending trend chart, and removes ads. $1.99/month or $17.99/year. Cancel anytime in your Apple ID settings. PRIVACY YOU CAN ACTUALLY READ We collect what we need to run the app and nothing else. No cross-app tracking. No selling data. Receipt OCR uses Anthropic's Claude API — images are sent for the single inference and not used for training. Full privacy policy: fairtabs.com/privacy. WHO IT'S FOR — Roommates splitting rent, utilities, and groceries — Friends on a trip splitting hotels, dinners, and rideshares — Couples sharing recurring household costs — Anyone who's tired of "you got me back, right?" We built Fairtabs because the existing options got worse, not better. We answer real emails at hello@fairtabs.com. Split the bill. Keep the friends. SUBSCRIPTION Fairtabs Plus — auto-renewing subscription. Available as Monthly ($1.99/month) or Yearly ($17.99/year). Payment is charged to your Apple ID at confirmation of purchase. Subscription automatically renews at the same price unless auto-renew is turned off at least 24 hours before the end of the current period. Manage or cancel anytime in iOS Settings → Subscriptions → Fairtabs Plus. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://fairtabs.com/privacy.html

Screenshots

Pay with Sublime4 screens
Fairtabs4 screens

Verdict

The call

The clearest difference is in-app purchases: Pay with Sublime at none against Fairtabs's 2. Pay with Sublime also leads on ratings volume (231 vs 2) and iOS requirement (18.5 vs 26.0). Fairtabs's advantage is rating (5.0 vs 4.7). On price, update cadence, ads and device support 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. Fairtabs sells 2 in-app purchases, starting at $1.99 per month. Pay with Sublime asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Fairtabs 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 231 ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

Pay with Sublime ships an update every 9 days, Fairtabs every 5 days. The most recent releases landed on October 30, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 5 level
Pay with Sublime versus Fairtabs: the parameters behind the verdict, then further details
ParameterPay with SublimeFairtabs
PriceFreeFree
Rating4.7 (231 ratings)5.0 (2 ratings) — better
Positive reviews85.7% of reviews—
Number of ratings231 — better2
Update frequencyEvery 9 daysEvery 5 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPad — betteriPhone
Requires iOS18.5 — better26.0
Further details — not scored
Size61 MB9 MB
Age rating17+4+
DeveloperSublime Payments CompanyFairtabs

Customer experience

Pay with Sublime

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

Fairtabs

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Pay with Sublime

No in-app purchases

2 purchases

Fairtabs

Subscriptions2
  • Plus (Monthly)$1.991 Month
  • Plus (Yearly)$17.991 Year

Questions

Is Pay with Sublime free?
Pay with Sublime is free to download, with no in-app purchases.
Is Fairtabs free?
Fairtabs is free to download, with in-app purchases available.
Which has better reviews, Pay with Sublime or Fairtabs?
Fairtabs is rated higher. Pay with Sublime averages 4.7 out of 5 from 231 ratings, while Fairtabs averages 5.0 from 2 ratings.
Do Pay with Sublime or Fairtabs have ads?
Neither Pay with Sublime nor Fairtabs shows ads.
Which is updated more often, Pay with Sublime or Fairtabs?
Pay with Sublime ships an update every 9 days, and Fairtabs every 5 days. Most recently, Pay with Sublime was updated on October 30, 2026 and Fairtabs on October 24, 2026.

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