Comparison

Pay with Sublime vs Cashera

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

Cashera

Effortlessly manage your finances by chatting with an AI. Log expenses, scan receipts, and gain smart insights to improve your spending habits. Track bills, debts, and split costs with friends.

Highlights
  • AI-powered expense logging via chat
  • Receipt scanning and automatic transaction entry
  • Smart spending insights and predictions
  • Bill splitting with friends
  • Debt and recurring bill tracking
  • Real-time budget alerts
  • Multi-currency and multi-wallet support
Features
Read full description

Cashera keeps your spending in order without spreadsheets or notebooks. Write or say what you spent, and it is recorded, categorised and added to your monthly picture in seconds. Record in seconds • Type a line such as “taxi 8, bread 1.20”. Both expenses are saved separately. • Hold the microphone and say it. • Photograph a receipt. Cashera reads the total, the shop and the category. • Add the Apple Pay shortcut once and every tap-to-pay is recorded with the amount, merchant and card. • Import a bank statement in CSV, Excel or PDF to bring in past months at once. Possible duplicates are marked before anything is saved. See the month before it ends • Budgets by category, with an alert at 80% and another when the limit is reached. • A payment calendar for rent, utilities, loans and subscriptions, with a reminder before each due date. • Cashera notices payments that repeat and offers to track them for you. • Savings goals with clear progress. • A short weekly summary every Sunday. Money between people • Debts and customer credit. Record who owes what and share a link the other person can open in any browser. • A gift ledger for weddings and family occasions: what you gave, what you received and from whom. • Shared groups for family, trips or a flat, with balances worked out for you. For small business Cashera Business adds company accounts, purchase and sales invoices, partner contributions and access for your accountant or staff. Your language, your currency Seven languages: Azerbaijani, English, Russian, Turkish, German, Uzbek and Kazakh. 37 currencies with daily exchange rates, including AZN, TRY, KZT, UZS and GEL. Privacy Lock the app with Face ID. Amounts are hidden in our analytics, and your data is never sold. Plans Recording expenses is unlimited on the free plan, which also includes budgets, debts, goals, the gift ledger, 10 AI questions a day and 5 receipt scans a month. Plus removes these limits and adds voice entry, multi-currency, loan tracking, forecasts and export. New accounts get 14 days of Plus with no card required. Business is a separate plan for companies. Cashera keeps records of money you already have. It is not a bank, does not lend money and does not offer credit. Terms of Use: https://cashera.app/terms Privacy Policy: https://cashera.app/privacy

Screenshots

Pay with Sublime4 screens
Cashera4 screens

Verdict

The call

The clearest difference is update cadence: Cashera at daily against Pay with Sublime's every 9 days. Cashera also leads on rating (5.0 vs 4.7) and review sentiment (100% vs 86%). Pay with Sublime's advantage is ratings volume (225 vs 1). On price, ads, in-app purchases and monetization model 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Cashera 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. Written reviews point the same way: 86% of Pay with Sublime's written reviews are positive against 100% of Cashera's.

UpkeepUpdate frequency

Pay with Sublime ships an update every 9 days, Cashera daily. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 5 level
Pay with Sublime versus Cashera: the parameters behind the verdict, then further details
ParameterPay with SublimeCashera
PriceFreeFree
Rating4.7 (225 ratings)5.0 (1 ratings) — better
Positive reviews85.7% of reviews100.0% of reviews — better
Number of ratings225 — better1
Update frequencyEvery 9 daysDaily — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.516.0 — better
Further details — not scored
Size61 MB45 MB
Age rating17+4+
DeveloperSublime Payments CompanyProTech Solutions Group MMC

Customer experience

Pay with Sublime

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

Cashera

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Pay with Sublime

No in-app purchases

None

Cashera

No in-app purchases

Questions

Is Pay with Sublime free?
Pay with Sublime is free to download, with no in-app purchases.
Is Cashera free?
Cashera is free to download, with no in-app purchases.
Which has better reviews, Pay with Sublime or Cashera?
Cashera is rated higher. Pay with Sublime averages 4.7 out of 5 from 225 ratings, while Cashera averages 5.0 from 1 ratings.
Do Pay with Sublime or Cashera have ads?
Neither Pay with Sublime nor Cashera shows ads.
Which is updated more often, Pay with Sublime or Cashera?
Pay with Sublime ships an update every 9 days, and Cashera daily. Most recently, Pay with Sublime was updated on October 25, 2026 and Cashera on October 24, 2026.

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