Defray vs Split Bills

Defray splits bills between friends, flatmates and travel groups, and it's free. No ads, no subscription, no "upgrade to add more than three expenses today". Nothing is locked behind a paywall. Only you need the app. Send your group a link and everyone else can open it in any browser to see what they owe and add what they paid. No download, no account, no password. ON A TRIP Five of you in Lisbon. Daniel pays 210€ for the farewell dinner, you buy the tram tickets, Lena pays for the gin at the duty-free in pounds. Everyone adds what they paid, from the app or from the link. Defray keeps a running balance for each person, converts the pounds at the live rate, and at the end works out the fewest transfers that square everyone up. No signal on the ferry? Add the expense anyway. It's saved on your phone and syncs as soon as you're back online. AT HOME Rent, electricity, internet, the cleaner every two weeks. Set each one up once as a recurring expense and Defray adds it on the right day, split the way you chose. WHAT YOU GET Splitting: equally, by exact amounts, by percentage or by shares. Add an extra on top for one person when someone ordered the lobster. Currencies: mix currencies in one group, use live exchange rates or type your own, and convert what someone owes in one tap. Settling up: who owes whom across all your groups, debt simplification, and payments you sent or received. Receipts: attach photos or videos to any expense. Categories: picked from the title as you type, or make your own. Guests: add people who don't use Defray and keep track of their share. They can claim an account later and keep their history. Chat: a group chat in every group, plus direct messages, with photos, voice messages, @mentions and reactions. Planning: shared notes and checklists, pinned places on a map, the weather where you're going, a shared calendar with reminders, and a photo wall. Stats: spending by category, by person and by month. Personal expenses: log your own spending with no group at all. Notifications when someone adds an expense or pays you back. If you've been tracking who owes what in a notes app, a spreadsheet or the group chat, Defray replaces all three. Good for holidays and weekends away, shared flats, couples, festivals, stag and hen dos, team lunches, and anything else where money goes into one pot and comes out unevenly.

Halv splits shared costs with the people you like and tells you exactly who pays whom. One honest balance per friend, across every trip, apartment and dinner. SCAN THE RECEIPT Point the camera at the bill. Halv reads every line, and everyone taps the items they had, down to the cent. A six-person dinner is split before the coats are on. THE ROUND Five people, four payments. Halv finds the shortest way to square up a group and names who pays whom. Prefer the raw pairwise balances? Turn it off for that group any time. ONE NUMBER PER PERSON Sarah is in your trip, your apartment and last night's dinner. Halv nets all of it into one amount she owes you, or you owe her. PAY THEM BACK IN ONE TAP Halv opens Revolut with the amount and the name already filled in, or copies your friend's bank details for your banking app, then records the settlement. Halv never holds or moves your money. EVERY WAY TO SPLIT Equal, exact amounts, percentages, or item by item. More than one payer on a single expense. Split with people who don't have the app yet; they claim their share when they join. MADE FOR TRIPS ABROAD A group keeps a separate ledger per currency. A dollar expense in a euro trip stays in dollars. Nothing is converted with a made-up rate, and nobody is asked to settle a number that doesn't exist. WORKS OFFLINE Add expenses on the mountain or on the plane. Halv syncs when you're back online. FREE TO KEEP Splitting, balances and settling are free, with no subscription, ever. The receipt scanner is the one paid feature: your first three scans are on us, then a Trip Pass for yourself or a Group Pass that covers everyone in the group. Passes are one-off purchases, not subscriptions. Questions or ideas: hello@halv.money