Comparison

Pay with Sublime vs Split

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

Features
Read full description

Split the bill the easy way — whether it's tonight's dinner or an ongoing trip or group event. LIVE SPLIT — the whole table, on their own phones Put Split's QR on the table. Everyone scans, taps the items they had, and the total adds up in real time, tax and tip handled. No app or account needed to join. No spreadsheet, no "who had the steak?", no chasing anyone for money. GROUPS — for expenses that don't end after one night Roommates, trips, couples, teams — keep a running tally of who paid and who owes whom. Split any expense the way that's actually fair: evenly, by exact amounts, by percentage, by shares, or by item. Every split type comes with a plain-English explanation, so everyone understands exactly how it was divided. Split does the math and shows the simplest way to settle up. SCAN ANY RECEIPT Snap a photo and Split reads the line items, tax, and tip. Assign each item with a tap, fix anything inline. Foreign receipts convert to your currency automatically. PAY OR GET PAID IN A TAP Settle up through Venmo, Cash App, PayPal, and more — right from the split. Free to start. Split Pro unlocks unlimited groups, members, receipt scans, and Quick Splits. Split Pro is $3.99/month and renews automatically. Your account is charged at confirmation of purchase; it renews unless canceled at least 24 hours before the current period ends. Manage or cancel anytime in your store account settings. Terms of Use (EULA): https://split.foundrystudiolabs.com/terms Privacy Policy: https://split.foundrystudiolabs.com/privacy

Screenshots

Pay with Sublime4 screens
Split4 screens

Verdict

The call

The clearest difference is in-app purchases: Pay with Sublime at none against Split's 1. Split's advantage is iOS requirement (14.0 vs 18.5). 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. Split sells 1 in-app purchase, starting at $3.99 per month. Pay with Sublime asks for nothing beyond the download.

UpkeepUpdate frequency

Pay with Sublime ships an update every 9 days, Split every 10 days. Both last shipped on November 5, 2026.

Scorecard2 real differences · 8 level
Pay with Sublime versus Split: the parameters behind the verdict, then further details
ParameterPay with SublimeSplit
PriceFreeFree
Rating4.7 (235 ratings) — better—
Positive reviews85.7% of reviews—
Number of ratings235 — better—
Update frequencyEvery 9 days — betterEvery 10 days
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS18.514.0 — better
Further details — not scored
Size61 MB20 MB
Age rating17+4+
DeveloperSublime Payments CompanyFoundry Studio Labs LLC

In-app purchases

None

Pay with Sublime

No in-app purchases

1 purchases

Split

Subscriptions1
  • Split Pro$3.991 Month

Questions

Is Pay with Sublime free?
Pay with Sublime is free to download, with no in-app purchases.
Is Split free?
Split is free to download, with in-app purchases available.
Do Pay with Sublime or Split have ads?
Neither Pay with Sublime nor Split shows ads.
Which is updated more often, Pay with Sublime or Split?
Pay with Sublime ships an update every 9 days, and Split every 10 days. Most recently, Pay with Sublime was updated on November 5, 2026 and Split on November 5, 2026.

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