Comparison

ADC Money 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

ADC Money

Features
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ADC Money is your all-in-one B2B payment solution — built for businesses and individuals who want fast, reliable, and low-cost ways to pay. PAY VENDORS WITH YOUR CREDIT CARD Settle vendor payments using your Credit Card at the lowest convenience fees in the market — even when your vendor only accepts bank transfer or UPI. EVERYTHING YOU NEED TO PAY, IN ONE APP - Vendor Payments — pay any vendor by credit card at low charges - Bill Payments — utility and recurring bills, made simple - Credit Card Bill Payment — clear your credit card dues instantly, across major banks - Education Fees — pay Tuition Fee, School Fee, College Fee, and Hobby Class fees directly - Travel Booking — book Flights, Hotels, Buses, and Cabs WHY PAY WITH ADCMONEY? - Lowest Fee — we offer the lowest convenience fee on every transaction - Debit & Credit Card Support — pay securely to any bank account or UPI/VPA ID - Real-Time Payment — instant settlement to your receiver's account - Wide Bank Network — supports major banks including SBI, Axis, Bank of Baroda, Canara, AU Bank, DBS, DCB, and more - All Major Cards Accepted — Visa, RuPay, and Mastercard SIMPLE & SECURE BENEFICIARY MANAGEMENT Save and manage your beneficiaries with full account details, pay them instantly, and track every transaction from one dashboard. COMPLETE KYC IN MINUTES Verify your identity quickly with Aadhaar, PAN, and Bank KYC. Choose Minimum KYC for basic access or complete Full KYC (including Video KYC) to unlock all ADCMoney services. BUILT FOR BUSINESS, DESIGNED FOR EVERYONE Whether you're a small business owner managing vendor payments, a parent paying school fees, or someone planning a trip — ADC Money brings all your payments together in one fast, secure app. Download ADC Money today and experience the smarter way to pay.

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

ADC Money4 screens
Split Wisely4 screens

Verdict

The call

The clearest difference is iOS requirement: ADC Money at 13.0 against Split Wisely's 15.5. 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.

Scorecard1 real difference Ā· 5 level
ADC Money versus Split Wisely: the parameters behind the verdict, then further details
ParameterADC MoneySplit Wisely
PriceFreeFree
Update frequency—Every 6 days
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15.5
Further details — not scored
Size44 MB85 MB
Age rating4+4+
DeveloperADC Service HubCognitive Squad

In-app purchases

None

ADC Money

No in-app purchases

None

Split Wisely

No in-app purchases

Questions

Is ADC Money free?
ADC Money 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 ADC Money or Split Wisely have ads?
Neither ADC Money nor Split Wisely shows ads.

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