# Settle Up vs NFCtron

The clearest difference is rating: Settle Up at 4.8 against NFCtron's 4.0. Settle Up also leads on review sentiment (59% vs 29%) and ratings volume (1.7K vs 4). NFCtron's advantage is in-app purchases (none vs 14) and ads (none vs shown). On price, device support and iOS requirement there is nothing between them.

Both are free to download. Settle Up sells 10 in-app purchases, starting at $3.99 per month. NFCtron asks for nothing beyond the download.

Settle Up holds the better App Store score, 4.8 against 4.0. That said, the two scores are not equally well evidenced: Settle Up has 1.7K ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 59% of Settle Up's written reviews are positive against 29% of NFCtron's.

Settle Up ships an update every 2 weeks, NFCtron weekly. The most recent releases landed on October 19, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | Settle Up | NFCtron |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.7K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews)** | [4.0 (4 ratings)](https://appshunter.io/ios/app/nfctron/id1595341751/reviews) |
| Number of ratings | **1.7K** | 4 |
| Positive reviews | **58.5% of reviews** | 28.6% of reviews |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 103 MB | 413 MB |
| Requires iOS | 17.4 | **17.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [NFCtron Pay a.s.](https://appshunter.io/developer/1787860125) |

## What reviewers say

### Settle Up

[App page](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985)

Easily track shared expenses and IOUs for groups like travelers, flatmates, or friends. Handles complex splits, multiple payers, incomes, and items from bills. Works offline and across platforms, minimizing transfers and offering real-time exchange rates.

**Highlights:** Track shared expenses, Manage IOUs, Handle complex splits, Multiple payers support, Offline functionality, Real-time exchange rates, Data export

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Premium | $3.99 | per month |
| Yearly Premium | $19.99 | per year |
| Group Premium for 1 week | $5.99 | one-time |
| Group Premium for 2 weeks | $9.99 | one-time |
| Group Premium for 2 months | $14.99 | one-time |
| Group Premium for 1 month | $14.99 | one-time |
| Group Premium for 2 months | $29.99 | one-time |
| Group Premium | $39.99 | one-time |
| Group Premium for 1 year | $39.99 | one-time |
| Lifetime Group Premium | $149.99 | one-time |

**What reviewers like**

- 👍 Easy to use
- 💡 Flexible expense splitting
- 🚀 Fast expense adding
- 💡 Supports multiple currencies
- 👍 Helpful for group trips and outings

**What reviewers complain about**

- 💰 Expensive compared to alternatives
- 🐛 Crashes and bugs
- 👎 Poor UI/UX design
- 👎 Free version lacks key features
- 🔒 Requires social media login

**Reported bugs**

- Expense details disappearing
- Inability to create new groups
- Keyboard issues on iOS 8
- Incompatibility with iPad

**Requested features**

- Ability to assign fixed amounts to group members
- Option to adjust expense shares (e.g. exclude certain items)
- Support for paying groups (multi-family events)


### NFCtron

[App page](https://appshunter.io/ios/app/nfctron/id1595341751)

Manage your event spending with a digital wallet. Load funds onto your phone, track expenses, and request refunds for any remaining balance within 14 days post-event.

**Highlights:** Digital event wallet, Load chip credit, Track spending and balance, Rate orders, Refund unused credit, Buy event tickets

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Settle Up free?

Settle Up is free to download, with in-app purchases available.

### Is NFCtron free?

NFCtron is free to download, with no in-app purchases.

### Which has better reviews, Settle Up or NFCtron?

Settle Up is rated higher. Settle Up averages 4.8 out of 5 from 1.7K ratings, while NFCtron averages 4.0 from 4 ratings.

### Do Settle Up or NFCtron have ads?

Settle Up shows ads; NFCtron does not.

### Which is updated more often, Settle Up or NFCtron?

Settle Up ships an update every 2 weeks, and NFCtron weekly. Most recently, Settle Up was updated on October 19, 2026 and NFCtron on October 9, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*