Comparison

Pay with Sublime vs SplitPay

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

SplitPay

Features
Read full description

Our app makes dividing shared costs fast, easy, and stress-free. Whether you’re covering a meal, a trip, food shopping, housing, or any joint purchase, you can work out each person’s portion with just a couple of taps. Start a new expense, input the full sum, pick the way you want to divide it, and immediately view how much every member owes. Store past calculations, return to them at any time, or send the final breakdown to your group. Built with a sleek, contemporary look, our app lets you manage joint costs without extra complications. Features: - Divide costs evenly within moments - Set personalized payment figures - Split costs by percentage - Store earlier expense calculations - Send payment overviews - Produce clear spending summaries - Handle any quantity of participants - Quick and precise math - Straightforward, neat, and user-friendly layout From daily coffee runs to holiday spending and group meals, our app makes it simple to divide expenses fairly and keep everyone aligned. Privacy Policy: https://docs.google.com/document/d/1iDIaPdbOwz5DFgEWuPcnlOAxAz3xMgkCv7y3VeNoKSA/edit?tab=t.0 Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Pay with Sublime4 screens
SplitPay4 screens

Verdict

The call

The clearest difference is in-app purchases: Pay with Sublime at none against SplitPay's 5. Pay with Sublime also leads on update cadence (every 9 days vs every 4 months). SplitPay's advantage is iOS requirement (16.0 vs 18.5). On price, 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. SplitPay sells 5 in-app purchases, starting at $4.99 per 7 days. Pay with Sublime asks for nothing beyond the download.

UpkeepUpdate frequency

Pay with Sublime ships an update every 9 days, SplitPay every 4 months. The most recent releases landed on September 21, 2026 and September 24, 2026 respectively.

Scorecard3 real differences · 7 level
Pay with Sublime versus SplitPay: the parameters behind the verdict, then further details
ParameterPay with SublimeSplitPay
PriceFreeFree
Rating4.7 (157 ratings) — better—
Positive reviews85.7% of reviews—
Number of ratings157 — better—
Update frequencyEvery 9 days — betterEvery 4 months
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.516.0 — better
Further details — not scored
Size61 MB34 MB
Age rating17+4+
DeveloperSublime Payments CompanySEIB INSURANCE AGENTS LTD

In-app purchases

None

Pay with Sublime

No in-app purchases

5 purchases

SplitPay

Subscriptions4
  • Weekly$4.997 Days
  • Weekly-Trial3 Days trial$4.997 Days
  • Monthly$12.991 Month
Show 1 more
  • Yearly$39.991 Year
One-time1
  • Lifetime$59.99

Questions

Is Pay with Sublime free?
Pay with Sublime is free to download, with no in-app purchases.
Is SplitPay free?
SplitPay is free to download, with in-app purchases available.
Do Pay with Sublime or SplitPay have ads?
Neither Pay with Sublime nor SplitPay shows ads.
Which is updated more often, Pay with Sublime or SplitPay?
Pay with Sublime ships an update every 9 days, and SplitPay every 4 months. Most recently, Pay with Sublime was updated on September 21, 2026 and SplitPay on September 24, 2026.

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