Comparison

SplitStack vs Payvel

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

SplitStack

Features
Read full description

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.

About

Payvel

Features
Read full description

Send money to your loved ones around the world quickly, securely, and at competitive exchange rates. Payvel makes international money transfers simple, affordable, and reliable, helping you stay connected with family and friends wherever they are. Payvel supports transfers to more than 16 countries and offers a seamless digital experience from your mobile device. Why Choose Payvel? Fast international money transfers Competitive exchange rates Low-cost and transparent pricing Secure transactions with 256-bit encryption Real-time exchange rate tracking Rate alerts for your preferred currencies Multi-currency support Budget and spending management tools 24/7 customer support AUSTRAC-registered service provider Send Money with Confidence Whether you're supporting family, paying for education, managing overseas expenses, or sending regular remittances, Payvel provides a secure and convenient way to transfer money internationally. Monitor your transfers, track exchange rates, and manage your finances all from one app. Smart Financial Tools Payvel is more than a money transfer app. Stay informed with live currency rates, create personalized rate alerts, monitor your spending, and manage multiple currencies with ease. Specialized hubs for remittance, travel, and student needs help you make better financial decisions. Security First Your security is our priority. Payvel uses bank-level 256-bit encryption and industry-standard security measures to protect your personal information and transactions. Download Payvel today and experience a smarter way to send money globally. Fast, secure, and designed for modern international payments. Keywords: international money transfer, remittance, send money abroad, foreign exchange, currency transfer, global payments, money transfer app, exchange rates, overseas transfer, secure payments.

Screenshots

SplitStack4 screens
Payvel4 screens

Verdict

The call

The clearest difference is update cadence: SplitStack at daily against Payvel's every 4 days. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS

CostPrice Ā· In-app purchases Ā· Ads Ā· Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

SplitStack ships an update daily, Payvel every 4 days. The most recent releases landed on October 9, 2026 and October 16, 2026 respectively.

Scorecard1 real difference Ā· 5 level
SplitStack versus Payvel: the parameters behind the verdict, then further details
ParameterSplitStackPayvel
PriceFreeFree
Update frequencyDaily — betterEvery 4 days
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.115.0 — better
Further details — not scored
Size46 MB104 MB
Age rating4+4+
DeveloperSpecialee Pty LtdPayvel PTY LTD

In-app purchases

None

SplitStack

No in-app purchases

None

Payvel

No in-app purchases

Questions

Is SplitStack free?
SplitStack is free to download, with no in-app purchases.
Is Payvel free?
Payvel is free to download, with no in-app purchases.
Do SplitStack or Payvel have ads?
Neither SplitStack nor Payvel shows ads.
Which is updated more often, SplitStack or Payvel?
SplitStack ships an update daily, and Payvel every 4 days. Most recently, SplitStack was updated on October 9, 2026 and Payvel on October 16, 2026.

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