Comparison

ZeroBill vs Split Wisely

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

Head to head
About

ZeroBill

Features
Read full description

Pay. Get cashback. Keep your receipts. ZeroBill makes shopping at participating stores more rewarding. Pay at ZeroBill-enabled stores using your preferred UPI app and get guaranteed cashback on eligible purchases. Your digital receipt is automatically linked to your transaction so you can keep track of what you bought without paper bills. With ZeroBill, you can get cashback every time you pay at participating stores and earn guaranteed cashback on eligible transactions. Get digital receipts for every purchase. Your receipts are delivered digitally and linked to your ZeroBill transactions. Discover offers and rewards from participating stores and brands. Pay with your preferred UPI app. Choose any supported UPI app to complete your payment. Shop at participating local stores and connect your everyday offline shopping with digital rewards and receipts. How it works 1. Scan the ZeroBill QR code at a participating store. 2. Enter your purchase amount. 3. Choose your preferred UPI app and complete the payment. 4. Return to ZeroBill and receive your digital receipt and cashback. ZeroBill is built to make everyday offline shopping simpler, more rewarding, and completely digital. Pay with ZeroBill. Get more from every purchase.

About

Split Wisely

Features
Read full description

The modern way India splits expenses. Split Wisely makes sharing costs with friends, flatmates, couples and trip groups effortless — and actually pleasant to look at. Add an expense in seconds, see exactly who owes whom, settle in one tap with any UPI app, and keep your own spending tracked privately on the side. Split Without the Awkwardness • Groups for trips, homes, couples and everything else • Every split style: equally, exact amounts, percentages, shares, +/- adjustments • Multiple payers, multi-currency, receipts, notes and comments • Balances computed precisely to the paisa — no rounding disputes Settle Up in Seconds • One-tap settle with your UPI app, pre-filled with the right amount • Simplify debts inside groups — fewest possible transfers • Gentle reminders (never spammy — one per day, only when they owe you) Your Personal Money Tracker (free) • A private tracker at the center of the app — add a spend in 2 taps • Monthly view with history, categories and daily averages • Nothing here is shared with anyone Your Own AI Money Coach (Pro AI) • Financier — chat with an AI that actually knows your spending, splits and balances • Savings Coach — a monthly report: unused subscriptions, EMIs, concrete ways to save • Import credit-card and Paytm / PhonePe / Google Pay statements (PDF, Excel, CSV) • Connect Gmail and bills in your inbox import themselves — you review first • AI reads, categorises and de-duplicates across every source — even a card spend made through UPI showing up in two statements • Statement files are deleted right after processing EMIs Under Control (free) • Every loan in one place: monthly load, months left, payoff date • EMI-like payments detected automatically from your spends Split Wisely Pro — ₹99/month Ā· Pro AI — ₹299/month or ₹2,999/year Pro: unlimited daily expenses, receipt scanning, itemization, advanced dashboard and charts, expense search, saved default splits, currency conversion. Pro AI: everything in Pro plus the Financier chat, Savings Coach, AI statement import and Gmail bill sync. Private & Secure by Design • Your data lives in India (Mumbai region) • Bank-grade security rules on every record • Biometric app lock, full account deletion in-app Fair with friends. Smart with money. Split Wisely. Subscriptions Split Wisely Pro is Rs 99/month. Pro AI is Rs 299/month or Rs 2,999/year. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours prior to the end of the current period. You can manage or cancel your subscription in your Apple Account settings after purchase. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Split Wisely Terms of Service: https://splitwisely.cognitivesquad.com/terms Privacy Policy: https://splitwisely.cognitivesquad.com/privacy

Screenshots

ZeroBill4 screens
Split Wisely4 screens

Verdict

The call

The clearest difference is update cadence: ZeroBill at daily against Split Wisely's every 6 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

ZeroBill ships an update daily, Split Wisely every 6 days. The most recent releases landed on October 9, 2026 and October 24, 2026 respectively.

Scorecard1 real difference Ā· 5 level
ZeroBill versus Split Wisely: the parameters behind the verdict, then further details
ParameterZeroBillSplit Wisely
PriceFreeFree
Update frequencyDaily — betterEvery 6 days
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.615.5 — better
Further details — not scored
Size54 MB85 MB
Age rating4+4+
DeveloperZBT INNOVATIONS PRIVATE LIMITEDCognitive Squad

In-app purchases

None

ZeroBill

No in-app purchases

None

Split Wisely

No in-app purchases

Questions

Is ZeroBill free?
ZeroBill is free to download, with no in-app purchases.
Is Split Wisely free?
Split Wisely is free to download, with no in-app purchases.
Do ZeroBill or Split Wisely have ads?
Neither ZeroBill nor Split Wisely shows ads.
Which is updated more often, ZeroBill or Split Wisely?
ZeroBill ships an update daily, and Split Wisely every 6 days. Most recently, ZeroBill was updated on October 9, 2026 and Split Wisely on October 24, 2026.

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