Comparison

Pay with Sublime vs Splitly

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

Splitly

Features
Read full description

Splitting rent, bills and trip costs with flatmates or friends? Splitly tracks who paid, works out who owes who, and settles the whole group up in the fewest payments. Free. No ads. No account. Splitly works completely offline and keeps every group on your phone. HOW IT WORKS Make a group for your flat, your trip or a night out. Add each expense as it happens and pick who paid. Splitly keeps every cent adding up and shows the balances instantly. SPLIT IT ANY WAY - Equally, by exact amounts, by percentage or by shares - Leave someone out of a split when they were not there - Every split reconciles to the cent, no rounding drift SETTLE UP THE SMART WAY - See each person's balance at a glance - Clear everything with the smallest set of transfers, not a tangle of IOUs - Record payments as people pay you back - Share a clean settle-up summary by text or image STAY ON TOP OF IT - Organise expenses by category - Search and filter your whole history - Set the group currency once and forget it PRIVATE BY DESIGN There is no account and nothing to sign up for. Your groups never leave your device. No ads, no tracking, no subscriptions. PERFECT FOR Flatmates sharing rent and bills, friends on a trip, group dinners, couples, housemates, events and shared projects. Add your first group in seconds and never chase a "you owe me" again.

Screenshots

Pay with Sublime4 screens
Splitly4 screens

Verdict

The call

Pay with Sublime and Splitly are too close to call on the numbers: across 5 compared parameters — price, ads, in-app purchases and device support among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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.

ScorecardNo meaningful differences
Pay with Sublime versus Splitly: the parameters behind the verdict, then further details
ParameterPay with SublimeSplitly
PriceFreeFree
Rating4.7 (157 ratings) — better—
Positive reviews85.7% of reviews—
Number of ratings157 — better—
Update frequencyEvery 9 days—
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad — betteriPhone
Requires iOS18.517.0 — better
Further details — not scored
Size61 MB4 MB
Age rating17+4+
DeveloperSublime Payments CompanyChoyo Labs Limited

In-app purchases

None

Pay with Sublime

No in-app purchases

None

Splitly

No in-app purchases

Questions

Is Pay with Sublime free?
Pay with Sublime is free to download, with no in-app purchases.
Is Splitly free?
Splitly is free to download, with no in-app purchases.
Do Pay with Sublime or Splitly have ads?
Neither Pay with Sublime nor Splitly shows ads.

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