Pay with Sublime vs CashSplit
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.
CashSplit
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CashSplit solves the dinner-table math nobody wants to do: the bill is paid — some cash, some by app, someone covered the tip — and now everyone needs to square up. Enter the subtotal, tax, and tip (or scan the receipt and let CashSplit read them). Mark what each person actually paid at checkout. CashSplit computes a clear who-pays-whom settlement list that balances to the exact cent — then share it as a clean card or plain text. Only one person needs the app. The Fairness Dial gives the group three honest ways to finish: Exact settles every cent, Easy rounds payments and shows who absorbs each difference, and Let It Ride defers a small balance while suggesting who should cover the next shared expense. Alternative plans are explicit manual agreements; CashSplit never silently calls a deferred balance settled, and saved History remains Exact. In a hurry? One tap fills an even split, or "one person covered it." Mark payments off as friends pay you back. Add a payment handle to a person and their settlement line becomes a prefilled payment link. - Who-pays-whom settlement list, exact to the cent - Fairness Dial: Exact, Easy rounding, or Let It Ride - Clear disclosure of every rounded or deferred balance - Works even if only one person has the app — share a card or text - Receipt scan that reads subtotal, tax & tip on your device (Pro) - Mark payments as paid, right on the settlement list - Quick fills: even split, one person covered it - Split data stays on-device. No accounts, analytics, or tracking. - Save history — first 3 free, unlimited with Pro - CSV export and premium share card styles (Pro) - Siri & Shortcuts: "Start a split" Made for friend groups, families, trips, and office lunches — anyone who has ever said "just pay me back later." One-time Pro unlock at $2.99. No subscriptions or ads. Built by a solo developer who was tired of the post-meal calculator dance.
Screenshots
Verdict
The clearest difference is in-app purchases: Pay with Sublime at none against CashSplit's 1. Pay with Sublime also leads on ratings volume (225 vs 1). CashSplit'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
Both are free to download. CashSplit sells 1 one-off in-app purchase. Pay with Sublime asks for nothing beyond the download.
CashSplit 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 225 ratings behind it against 1, so its average is the more settled of the two.
Pay with Sublime ships an update every 9 days, CashSplit every 8 days. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.
| Parameter | Pay with Sublime | CashSplit |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (225 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 85.7% of reviews | — |
| Number of ratings | 225 — better | 1 |
| Update frequency | Every 9 days | Every 8 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 18.5 | 17.0 — better |
| Further details — not scored | ||
| Size | 61 MB | 2 MB |
| Age rating | 17+ | 4+ |
| Developer | Sublime Payments Company | Antonio Vargas |
In-app purchases
Pay with Sublime
No in-app purchases
CashSplit
- CashSplit Pro$2.99









