Fyatu vs Split Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Fyatu
Create virtual Visa and Mastercard debit cards instantly for online shopping, subscriptions, or contactless payments. Fund your cards via mobile money, stablecoins, or eWallets. Manage spending limits, freeze cards, and receive real-time notifications.
- Instant virtual Visa/Mastercard debit cards
- Fund via mobile money, stablecoins, eWallets
- Add to Apple Pay/Google Pay
- Global eSIM data plans
- Airtime & data top-up
- Send money globally
- Card spending limits & freeze
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Your virtual card. Your wallet. Your world. Fyatu puts a full financial toolkit in your pocket. Create virtual Visa and Mastercard debit cards in seconds, fund them from anywhere, and pay on any platform that accepts cards — no bank account needed. Whether you need a virtual card for online shopping, a prepaid card for subscriptions, a crypto card funded from your USDT balance, or a payment card that works with Apple Pay and Google Pay — Fyatu has you covered. INSTANT VIRTUAL CARDS Create virtual Visa and Mastercard debit cards on demand. Choose your currency (USD or EUR), name your card, and start spending immediately. Every card comes with a unique number, expiry, and CVV — ready for online checkout in under 30 seconds. Need a credit card alternative without the credit check? Fyatu prepaid cards work everywhere Visa and Mastercard are accepted — 62M+ online platforms worldwide. No application, no waiting, no paperwork. APPLE PAY & GOOGLE PAY Add your Fyatu virtual card to Apple Pay or Google Pay and tap to pay in stores, in apps, and online. Contactless payments, tokenized security, instant notifications. FUND YOUR WAY Load your Fyatu wallet using: - Mobile Money (MTN MoMo, Airtel Money, M-Pesa, Orange Money) - Stablecoins (USDT, USDC) - eWallets (PayPal, Binance, Wise, Revolut, Skrill, Payoneer) Your crypto card is one tap away — convert USDT to USD and load your virtual card instantly. No exchange fees, no delays. FULL CARD CONTROL - Freeze and unfreeze any card instantly - Set spending limits per card - Real-time push notifications for every transaction - View complete transaction history per card - Delete cards you no longer need - Fund and unload cards to your wallet anytime GLOBAL eSIM DATA PLANS Stay connected in 200+ countries without swapping SIM cards. Buy affordable eSIM data plans directly in the app — activate instantly, no physical SIM needed. Perfect for travelers, digital nomads, and remote workers. Compare plans by country, data allowance, and duration. Competitive rates that rival Airalo and Holafly, with the convenience of managing everything from one app. AIRTIME & DATA TOP-UP Recharge any mobile number in 180+ countries. Send airtime and data to family, friends, or your own phone — instantly and at competitive rates. SEND MONEY ACROSS AFRICA & BEYOND Transfer funds to mobile money wallets, bank accounts, and eWallets across Africa and globally. Send to MTN MoMo, Airtel Money, M-Pesa, Orange Money, PayPal, Binance, Wise, and more — with transparent fees shown before you confirm. BANK-GRADE SECURITY - PIN verification on all financial operations - Biometric login (Face ID, fingerprint) and passkey support - Two-factor authentication (2FA) - 3D Secure on every card transaction - Device management — review and revoke active sessions - End-to-end encryption on all data WHO IS FYATU FOR? - Online shoppers who need a virtual card for secure payments - Freelancers and remote workers who receive international payments - Travelers who need eSIM data and a payment card that works globally - Crypto holders who want a debit card funded from their USDT/USDC - Africans in the diaspora sending money home via mobile money - Anyone who wants a prepaid Visa or Mastercard without a bank account WHY CHOOSE FYATU? - No bank account required - Cards issued in seconds, not days - Works in 180+ countries - One app for cards, transfers, eSIMs, and airtime - Multi-currency wallet (USD, EUR) - 24/7 customer support - Trusted by 1,000,000+ users Download Fyatu and get your virtual card today.
Split Pay
Effortlessly split bills and track reimbursements by scanning receipts or manually entering items. Assign costs, calculate taxes and tips, and generate payment details for popular apps. Enjoy private, local-first bill splitting without account creation or subscriptions.
- Receipt scanning with item assignment
- Manual bill splitting
- Fair split of shared dishes
- Proportional tax, tip, and discount application
- Generate payment details for Venmo, Cash App, PayPal, Zelle
- Instant total sharing
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Split Pay: Get Paid Back helps you scan a receipt, assign every item, and send reimbursement details fast without doing the math yourself. Full receipt scanning requires iOS 26.0 or later and a compatible Apple Intelligence iPhone, including iPhone 15 Pro, iPhone 15 Pro Max, and iPhone 16 models or later. On other supported devices, you can still split bills manually. Use Split Pay to: - Scan a receipt and pull in line items - Add people and assign items in a tap - Split shared dishes fairly - Apply tax, tip, extra charges, and discounts proportionally - Generate share-ready payment details for Venmo, Cash App, PayPal, and Zelle - Copy or share each person’s total instantly Why people use Split Pay: - No account creation required - No subscription or in-app purchase required - Private, local-first bill splitting - Fast manual fallback when scanning is unavailable - Built for real group dinners, takeout, trips, and any
Screenshots
Verdict
The clearest difference is rating: Split Pay at 5.0 against Fyatu's 3.3. Fyatu's advantage is device support (3 vs 1) and ratings volume (3 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Split Pay holds the better App Store score, 5.0 against 3.3. Both are backed by a comparable volume of ratings — 3 and 1 respectively.
| Parameter | Fyatu | Split Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (3 ratings) | 5.0 (1 ratings) — better |
| Number of ratings | 3 — better | 1 |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.1 — better | 26.0 |
| Further details — not scored | ||
| Size | 114 MB | 2 MB |
| Age rating | 4+ | 4+ |
| Developer | FYATU FINANCIAL TECHNOLOGIES TANZANIA LIMITED | Brian Kim |
In-app purchases
Fyatu
No in-app purchases
Split Pay
No in-app purchases









