Best Split Bill Pay Apps

250+ iOS apps curated and reviewed

4.8 avg rating
19 free apps
Updated September 2026

Out of 250+ split bill pay apps on iOS, 19 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top Split Bill Pay Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1PayLater: Split Your PaymentsPayLater: Split Your PaymentsFree3.5★ (292)NoNoSep 2026
2Deferit: Pay bills in 4Deferit: Pay bills in 4Free4.8★ (34K)YesNoSep 2026
3Pay with SublimePay with SublimeFree4.7★ (157)NoNoSep 2026
4Split Pay: Split Bills in TwoSplit Pay: Split Bills in TwoFree4.9★ (16K)NoNoSep 2026
5tricount: Split & Settle Billstricount: Split & Settle BillsFree4.9★ (6.5K)NoNoSep 2026
6Papaya: Securely Pay Any BillPapaya: Securely Pay Any BillFree4.8★ (118K)NoNoSep 2026
7Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8★ (85K)NoNoSep 2026
8Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (858K)NoNoSep 2026

Top Picks for Split Bill Pay

PayLater: Split Your Payments#1

PayLater: Split Your Payments by Pay Later

Relax, PayLater
Editor's Choice
💰 Finance
3.5😞(292 ratings)
Free
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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.

What We Love

  • 👍 Trusted
  • 👍 Great experience

Room to Improve

  • 💡 No Arabic language support
  • 💡 Low spending limit
  • 🐛 Debit card not supported
  • 🐛 OTP not received
  • 🐛 Unable to delete app and restart
  • 🐛 Discriminatory spending limits between customers
Deferit: Pay bills in 4#2

Deferit: Pay bills in 4 by deferit Pty Ltd

Buy now pay later for bills
Strong Contender
💰 Finance
4.8😊(34K ratings)
FreeAds
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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
  • 🧭 Convenient all-in-one bill management
  • 🆙 Increasing credit limits over time

Room to Improve

  • 🕰️ Delayed bill payments due to high volume
  • 🤖 Lack of phone/live chat support
  • 💰 Subscription fees and processing fees
  • 🚫 Issues with canceling or stopping payments
  • 🤔 Unclear payment methods (online vs. check)
Pay with Sublime#3

Pay with Sublime by Sublime Payments Company

Split up and save on bills
Worth Considering
💰 Finance
4.7(157 ratings)
Free
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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.

More Split Bill Pay apps to explore

FAQ about Split Bill Pay

What are the best split bill pay apps for iPhone?
PayLater: Split Your Payments tops our split bill pay apps ranking as of September 2026, with a 3.5-star average from 292 App Store ratings, and it's free to download.
Yes — 19 of the top split bill pay apps we rank are free to download, including PayLater: Split Your Payments and Deferit: Pay bills in 4.
PayLater: Split Your Payments has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 250+ split bill pay apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
PayLater is a buy now, pay later service that allows you to split your purchases into four equal, flexible installments. It offers a smarter way to shop by providing transparent payment options with no hidden fees.
You can use PayLater to shop at participating retailers and split your payment into four equal installments. The onboarding process is fast and easy, requiring simple KYC and approval. Transactions are secure and processed locally.