SplitStack vs Elders Finance
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SplitStack
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SplitStack is the easiest way to collect money from your group for dinners, trips, gifts, household bills and everything in between. Create a Stack, enter what each person owes, and SplitStack sends everyone a secure payment link by SMS. Friends pay in seconds using their card, Apple Pay or Google Pay. No app download, no sign-up and no bank details are shared. Watch payments arrive in real time while the money settles directly into your bank account. WHY SPLITSTACK • Set up a Stack in under a minute. Name the bill, add your group and hit send. • Friends pay with one tap using card, Apple Pay or Google Pay through secure Stripe Checkout. • No app required for payers. They simply tap the SMS link and pay. • Track payments live and instantly see who has paid and who hasn't. • Automatic reminders take the awkwardness out of chasing people. • Funds settle directly into your bank account. TRAVEL MODE Travelling with friends? Travel Mode keeps track of shared expenses for the entire trip. Anyone can add expenses in any currency, and at the end SplitStack calculates exactly who owes what using a single exchange rate so everyone pays their fair share. • Log expenses as they happen in any currency. • View live balances for every traveller. • Settle the entire trip with a single payment. • Fair, transparent calculations with every cent accounted for. SECURE PAYMENTS Payments are securely processed by Stripe, one of the world's most trusted payment platforms. SplitStack never stores or sees your card details. Identity verification for organisers is handled securely by Stripe in accordance with Australian financial regulations. Currently available for organisers in Australia, with participants able to pay securely from anywhere in the world. Questions? We'd love to hear from you at support@splitstack.com.au.
Elders Finance
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Enjoy a simple, clean and easy to use new banking experience designed to save you time. - View your account balances and transactions - Transfer money between your accounts - Make payments to external payees - Pay your bills with BPAY® - Temporarily lock your Elder debit card - Cancel and reorder lost or stolen cards - Setup nicknames for your accounts - Turn on card transaction notifications to be alerted each time your card is used - Set a Savings Goal on one of your accounts to keep track of how far away you are from that special purchase. - Choose your app login (PIN, Pattern, Password, TouchID or FaceID) - Improved Accessibility Important: Elders Rural Services Australia Limited ABN 72 004 045 121 Australian Financial Services Licence 237757 has entered an arrangement to distribute banking products issued by Auswide Bank, a division of MyState Bank Limited ABN 89 067 729 195 Australian Financial Services Licence 240896 You need to be registered for Elders Online Banking and SMS Secure to access our Mobile Banking app. Transfers and Payments are subject to restrictions on individual account types, cleared funds being available or a daily transfer limit. Terms and conditions apply. For more information visit auswidebank.com.au. ® Registered to BPAY Pty Ltd (ABN 69 079 137 518) We collect anonymous information on how you utilise the application to perform statistical analysis of aggregate user behaviour. We do not collect personal information about you. By installing this app you are giving your consent.
Screenshots
Verdict
The clearest difference is update cadence: SplitStack at daily against Elders Finance's every 6 months. On price, ads, in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.
SplitStack ships an update daily, Elders Finance every 6 months. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.
| Parameter | SplitStack | Elders Finance |
|---|---|---|
| Price | Free | Free |
| Update frequency | Daily — better | Every 6 months |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.1 | 15.0 — better |
| Further details — not scored | ||
| Size | 46 MB | 108 MB |
| Age rating | 4+ | 4+ |
| Developer | Specialee Pty Ltd | Auswide Bank Ltd |
In-app purchases
SplitStack
No in-app purchases
Elders Finance
No in-app purchases
Questions
Is SplitStack free?
Is Elders Finance free?
Do SplitStack or Elders Finance have ads?
Which is updated more often, SplitStack or Elders Finance?
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