Best Bill Paying App

249+ iOS apps curated and reviewed

4.7 avg rating
19 free apps
Updated August 2026

If you already know Deferit, this is the deeper bench. 249+ bill paying app for iPhone, all reviewed and ranked by user rating, recency, and download trend as of August 2026.

Compare top Bill Paying App (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Deferit: Pay bills in 4Deferit: Pay bills in 4Free4.8★ (32K)YesNoSep 2026
2Pay with SublimePay with SublimeFree4.7★ (157)NoNoAug 2026
3Bills Organizer & ReminderBills Organizer & ReminderFree4.7★ (24K)NoYesSep 2026
4PayLater - Split in 4 paymentsPayLater - Split in 4 paymentsFree3.5★ (286)NoNoAug 2026
5Papaya: Securely Pay Any BillPapaya: Securely Pay Any BillFree4.8★ (118K)NoNoSep 2026
6BILL AP & AR Business PaymentsBILL AP & AR Business PaymentsFree4.9★ (49K)NoNoSep 2026
7Home Budget Tracker & PlannerHome Budget Tracker & PlannerFree4.7★ (296)YesYesAug 2026
8Xpress Bill PayXpress Bill PayFree4.8★ (26K)NoNoSep 2026

Top Picks for Bill Paying App

Deferit: Pay bills in 4#1

Deferit: Pay bills in 4 by deferit Pty Ltd

Buy now pay later for bills
Editor's Choice
💰 Finance
4.8😊(32K ratings)
FreeAds
Deferit: Pay bills in 4 screenshot 1
Deferit: Pay bills in 4 screenshot 2
Deferit: Pay bills in 4 screenshot 3
Deferit: Pay bills in 4 screenshot 4
Deferit: Pay bills in 4 screenshot 5
Deferit: Pay bills in 4 screenshot 6

Manage your bills and budget with flexibility. This app allows you to pay almost any service bill in four smaller installments with no interest. It also helps you save money by negotiating better deals with providers and builds your credit history by reporting on-time payments.

What We Love

  • 💳 Helpful for paying bills in installments
  • ⏱️ Fast bill payment processing
  • 📆 Ability to change payment due dates
  • 🤝 Friendly and responsive customer service

Room to Improve

  • 🕰️ Delayed bill payments due to high volume
  • 🤖 Lack of phone/live chat support
  • 💰 Subscription fees and processing fees
Pay with Sublime#2

Pay with Sublime by Sublime Payments Company

Split up and save on bills
Strong Contender
💰 Finance
4.7(157 ratings)
Free
Pay with Sublime screenshot 1
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This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.

Bills Organizer & Reminder#3

Bills Organizer & Reminder by Dennis Kruta

Bill Manager and Bill Monitor
Worth Considering
💰 Finance
4.7😊(24K ratings)
FreeIn-App Purchases
Bills Organizer & Reminder screenshot 1
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Manage all your bills in one place to avoid late fees and penalties. Track upcoming payments with customizable reminders and view your financial overview through charts and calendars. Securely access your data and easily mark bills as paid.

What We Love

  • 👍 Simple and easy to use
  • 💡 Helpful for staying on top of bills
  • 🚀 Efficient bill tracking and reminders
  • 🔒 No need to link bank accounts

Room to Improve

  • 🔒 Limited to 5 bills in free version
  • 🐛 Crashes and glitches for some users
  • 🔒 Ads in paid version

More Bill Paying App apps to explore

4
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

Split payments into 4 installmentsFast and easy onboardingSecure PCI DSS-compliant transactions
💰 Finance
(286)
free
5
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Fast & Secure Bill Payments
Free

This app offers a streamlined and secure method for paying all your bills, eliminating the need for multiple logins or mailing checks. It utilizes advanced technology to process payments quickly and efficiently, supporting various payment methods for a wide range of bill types.

Pay any billFast paymentsSecure processing
💰 Finance
(118K)
free
6
BILL AP & AR Business Payments
BILL AP & AR Business Payments
BILL AP & AR Business Payments
Pay bills and get paid online
Free

This app streamlines business payments and receivables, automating accounts payable and receivable processes. It offers flexible payment options and real-time tracking, saving time and improving cash flow.

Automate AP and ARMultiple payment options (ACH, wires, virtual card, credit card, check)Real-time payment tracking and notifications
💼 Business
(49K)
free
7
Home Budget Tracker & Planner
Home Budget Tracker & Planner
Home Budget Tracker & Planner
Settle Up for Couples Finances
Free

Organize shared finances and household tasks with this app. It allows groups to budget, track expenses, manage to-do lists, and split bills seamlessly. Perfect for couples, families, and roommates to manage their shared living expenses and responsibilities.

Shared budgeting and expense trackingMonthly spending limits and real-time balanceCustomizable income/expense categories
💰 Finance
(296)
free with in-app purchases
8
Xpress Bill Pay
Xpress Bill Pay
Xpress Bill Pay
The trusted way to pay
Free

This app allows users to pay bills quickly and securely through partnerships with local city and billing organizations. It simplifies the payment process by letting you select your provider, look up your account, and set up auto-pay. Receive real-time alerts and pay using various methods.

Quick and secure bill paymentsPartnerships with local billing organizationsAuto-pay functionality
💰 Finance
(26K)
free
9
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

This app allows users to pay for purchases over time with flexible payment options. It offers clear payment plans, deals, and the ability to set up automatic payments. Users can also apply for a card to use anywhere Visa is accepted for convenient installment payments.

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals
🛍️ Shopping
(1.7M)
free with in-app purchases
10
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

Shop your favorite online stores and split purchases into four interest-free payments. Manage all your orders and payment schedules in one convenient app, with optional upgrades for exclusive benefits.

Split purchases into 4 paymentsPay every two weeksManage orders in one app
🛍️ Shopping
(112K)
freemium
11
Monny
Monny
Monny
A Gamified Finance Journey
Free

This app helps you take control of your finances through a gamified experience. It makes tracking expenses simple, builds healthier financial habits, and visualizes your progress towards your goals with motivating challenges and clear reports.

Frictionless expense trackingGamified money challengesClear analytical reports
💰 Finance
(369)
freemium
12
Afterpay: Pay over time
Afterpay: Pay over time
Afterpay: Pay over time
Shop Now. Split your payments.
Free

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands
🛍️ Shopping
(752K)
free with in-app purchases
13
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Split rent anywhere you live
Free

This app allows renters to split their monthly rent into smaller, manageable payments. It facilitates on-time rent payments, helps build credit history, and offers a flexible repayment schedule.

Split rent into smaller paymentsPay rent on your own scheduleBuild credit history
💰 Finance
(464K)
free with in-app purchases
14
Bill Promptly
Bill Promptly
Bill Promptly
by 若雅 吴
Free
💰 Finance
(0)
15
1SecMoney
1SecMoney
1SecMoney
The fastest in the world
$2.99

Record daily expenses and income quickly from your iPhone's Notification Center or Apple Watch. This app uses intelligent prediction to save you time and offers features like multiple accounts, currencies, budgeting, and secure data management.

Record expenses and income from Notification Center widgetIntelligent prediction of categories, items, and amountsRecord transactions on Apple Watch
💰 Finance
(78)
free
16
Dunly — Bills & Payments
Dunly — Bills & Payments
Dunly — Bills & Payments
Bill reminders, on time
Free
💰 Finance
(0)
17
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Cash Advance, Credit Cards
Free

Access cash and credit through advances, lines of credit, and credit cards. The app evaluates real-time income and spending to determine eligibility, offering options without traditional credit checks. It also provides credit score monitoring and automated savings features.

Cash advances up to $400Lines of credit up to $1,000Credit cards with cash back rewards
💰 Finance
(456K)
subscription
18
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
Support When You Need Money
Free

Access quick cash advances to cover bills and expenses between paychecks. This app offers money management tools, low balance alerts, and a marketplace for earning opportunities. Securely connect your bank account for seamless transactions.

Cash advances up to $50No credit checks or interestCash flow calendar
💰 Finance
(153K)
subscription
19
CashPay: Bill Splitter
CashPay: Bill Splitter
CashPay: Bill Splitter
Split bills with your wallet
Free
💰 Finance
(0)
20
tricount: Split & Settle Bills
tricount: Split & Settle Bills
tricount: Split & Settle Bills
Bill Splitter & Track Expenses
Free

Easily split bills and track shared expenses with friends, roommates, or partners. Manage group costs for trips, rent, or dinners with real-time overviews and instant payment requests. Stay organized and settle up fairly, even with uneven amounts or multiple currencies.

Free and unlimited expense trackingFairly split even uneven amountsManage group expenses for trips, rent, and more
💰 Finance
(6.5K)
ad-supported

FAQ about Bill Paying App

What is the best bill paying app for iPhone?
Deferit: Pay bills in 4 tops our bill paying app ranking as of August 2026, with a 4.8-star average from 32K App Store ratings, and it's free to download.
Yes — 19 of the top bill paying app we rank are free to download, including Deferit: Pay bills in 4 and Pay with Sublime.
Deferit: Pay bills in 4 shows ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 249+ bill paying app on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
Deferit allows you to pay almost any service bill on your terms by splitting the payment into four smaller installments. It also helps users save money by negotiating better deals with service providers and builds credit history by reporting on-time payments to major credit bureaus.
The app features an expert team that negotiates with your service providers on your behalf to find you better deals, potentially lowering your monthly bills for services like internet, phone, and TV.