ZeroBill vs Split Wisely
Price, ratings, monetisation and update history for both apps, side by side ā with what reviewers say about each.
ZeroBill
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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.
Split Wisely
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The modern way India splits expenses. Split Wisely makes sharing costs with friends, flatmates, couples and trip groups effortless ā 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 ā no rounding disputes Settle Up in Seconds ⢠One-tap settle with your UPI app, pre-filled with the right amount ⢠Simplify debts inside groups ā fewest possible transfers ⢠Gentle reminders (never spammy ā one per day, only when they owe you) Your Personal Money Tracker (free) ⢠A private tracker at the center of the app ā 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 ā chat with an AI that actually knows your spending, splits and balances ⢠Savings Coach ā 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 ā you review first ⢠AI reads, categorises and de-duplicates across every source ā 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 ā ā¹99/month Ā· Pro AI ā ā¹299/month or ā¹2,999/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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
ZeroBill ships an update daily, Split Wisely every 6 days. The most recent releases landed on October 9, 2026 and October 24, 2026 respectively.
| Parameter | ZeroBill | Split Wisely |
|---|---|---|
| Price | Free | Free |
| Update frequency | Daily ā better | Every 6 days |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 15.5 ā better |
| Further details ā not scored | ||
| Size | 54 MB | 85 MB |
| Age rating | 4+ | 4+ |
| Developer | ZBT INNOVATIONS PRIVATE LIMITED | Cognitive Squad |
In-app purchases
ZeroBill
No in-app purchases
Split Wisely
No in-app purchases









