Clero vs Splits

Send and receive money from friends straight from your bank account within the same day without wallets or transfer fees. Clero combines bank-to-bank payments, card transaction splitting, receipt scanning, and group expense tracking into one app. DIRECT TO BANK PAYMENTS WITH ZERO FEES • Same-day direct settlement: Money moves straight between bank accounts on the same day. No digital wallet balance to cash out. • Zero transfer fees: Send and receive money without paying 1.75% instant transfer fees. • Phone number claim links: Send money to anyone with a phone number. Recipients without Clero claim funds straight to their bank account through a web link. Expired claims return to your account. RECURRING REQUESTS AND BILLS • Flexible schedules: Create recurring payment requests for rent, utilities, subscriptions, or shared expenses. • Custom intervals: Set schedules by week, month, or year with specific billing days or end dates. • Scheduled tracking: Clero creates new requests on your schedule and notifies participants when bills come due. CARD AND SUBSCRIPTION SPLITTING • Card sync: Link your credit cards and bank accounts through Plaid. Tap any posted charge to split it with friends. • Subscription detection: Clero identifies recurring charges like streaming services, gym memberships, and utility bills for one-tap splitting. RECEIPT SCANNING AND RICH RIDE BREAKDOWNS • Camera and Gmail sync: Snap a photo of a restaurant receipt or link Gmail to pull receipts from DoorDash, Airbnb, and dining spots. • Uber and Lyft ride details: Pull ride breakdowns including pickup and drop-off points, duration, driver details, and table tip adjustments. • Itemized claiming: Tap items to claim dishes or divide shared plates. • Proportional tax and tip: Taxes and tips split based on each person's spend. • Locked shares: When someone pays, their share locks so subsequent edits do not alter settled amounts. BATCH PAY, AND PARTIAL PAYMENTS • Batch pay: Select multiple open requests from the same friend and pay them all at once. • Partial payments: Pay open requests in increments while keeping track of how much you still owe. GROUP TYPES AND DEBT REDUCTION • Monthly groups: Built for roommates. Set a settlement date like the 1st of the month. When the cycle ends, Clero smartly tallies balances, generates payment requests for that month and starts the next month without manual setup. • Trip groups: Pool vacation expenses and generate payment requests automatically when your trip ends. • On-demand groups: Split expenses for social events and settle whenever you choose. • Simplify debts: Clero calculates the shortest route across group members to eliminate redundant back-and-forth transfers. • Splitwise import: Upload a Splitwise CSV file. Clero matches names to your contacts and imports your balances. SECURITY • Face ID and Touch ID confirmation required before money moves. • Bank-grade encryption across all financial rails. --- Support: https://clero.money Privacy Policy: https://clero.money/privacy Terms of Service: https://clero.money/terms

Settle money with your people. Went out with friends? Snap a photo of the receipt. Splits reads every item with AI, so there's no typing and no squinting at tiny numbers. Share a link to your group chat and everyone picks what they had. Tax and tip are split based on what each person actually ordered. The best part? Your friends don't need to download anything. They open the link in their browser, tap their items, and they're done in 30 seconds. HOW IT WORKS - Snap the receipt: take a photo and AI pulls out every item, price, tax and tip in seconds. Works with most restaurant receipts. - Share a link: send it by iMessage, WhatsApp or any group chat. Friends claim their items right in the browser. - Settle up: one tap opens Venmo, Cash App or Zelle with the exact amount filled in. Or mark it paid if they handed you cash. BEYOND RESTAURANT BILLS Covered an Uber? Bought the groceries? Add any shared expense in seconds with Quick Add: enter the amount, pick your friends, and split it equally or by custom amounts. No receipt needed. Or type what happened, like "Uber $85, I owe $45, Jake and Sara $20 each", and Splits does the math. YOUR MONEY, YOUR PEOPLE See exactly where you stand with every friend: who owes you, who you owe, and how much. No more mental math or awkward "hey, did you pay me back?" texts. Tap any friend to see your full history together, month by month: every dinner, every ride, every settle-up, with a running balance. TRIPS AND GROUPS Group splits with labels, like a trip, your apartment or your Friday crew, and see who owes who across all of them. Turn on Smart Settle and Splits cancels out debts that go in circles, so everyone makes fewer payments. Totals never change. BUILT DIFFERENT - AI does the work: no manual data entry. It handles quantities, multi-item lines and service charges. - No friction for friends: they open a link. No app download, no account. - Actually fair: tax and tip follow what you ordered, not an even split across the table. - Free: unlimited scans, splits and friends. No paywalls.