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Head-to-head · Bill Splitting Apps

Settle Up vs SplitBank

  • Updated Oct 2026
  • Both researched from official sources
  • 3 checks side by side
Higher score Settle Up #2 in Bill Splitting Apps 7.9/10 Free plan Free plan✓ 0 of 2 features Visit Settle Up
SplitBank #4 in Bill Splitting Apps 7.8/10 Free plan Free plan✓ 2 of 2 features Visit SplitBank

Settle Up leads on 0 checks, SplitBank on 0, and 3 are even. Who comes out ahead on the 3 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreSettle Up · 7.9/10
  • Free planboth
  • Most featuresSplitBank · 2 of 2

Settle Up scores higher on our rubric for bill splitting apps: 7.9 against 7.8 out of 10; our editors rank them #2 and #4.

Settle Up is the better fit for feature-rich splitting across many platforms. SplitBank is the better fit for free web splitting with deep settlement tools.

  • Settle Up fits best

    Feature-rich splitting across many platforms

  • SplitBank fits best

    Free web splitting with deep settlement tools

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Side by side

Feature Settle Up 7.9/10 Visit ↗ SplitBank 7.8/10 Visit ↗
At a glance
Editor score 7.9 7.8
Ranking #2 in Bill Splitting Apps #4 in Bill Splitting Apps
Best for Feature-rich splitting across many platforms Free web splitting with deep settlement tools
Pricing model Free plan + paid Free
Starting price — Free
Free plan ✓ ✓
Free trial — —
Deployment Cloud, Desktop, Mobile Cloud
Platforms Web, Windows, iOS, Android Web
Support Email Email
Integrations 4 integrations 4 integrations
Built for Solo, Small business Solo, Small business
Features Settle Up 0/2 · SplitBank 2/2
Multiple currencies Not checked yet ✓ (best)
Recurring expenses Not checked yet ✓ (best)
Specs
Max group members Not checked yet Not checked yet
Expense entry methods Not checked yet Manual + receipt
Settlement methods Not checked yet Venmo, Cash App, PayPal, Zelle, cash
Supported platforms Not checked yet web
Our review
Pros
  • Handles even, weighted and complex splits with multiple payers
  • Minimizes transfers and syncs groups across web, Windows, iOS and Android
  • Supports currencies, offline use, receipts, recurring expenses and exports
  • Flexible equal, exact, percentage, shares and adjustment splits
  • Receipt itemization, statement imports and recurring expense schedules
  • Settlement links for Venmo, Cash App, PayPal and Zelle
Cons
  • Advanced tools such as receipts and statistics require a premium plan
  • Support is provided through email
  • It tracks group debts rather than acting as a conventional payment wallet
  • Web-only access limits use to a browser
  • Balances use a primary currency rather than separate currency ledgers
  • Support is provided through email
Our verdict

Settle Up is a shared expense and IOU tracker for travellers, flatmates, couples, event organizers and other groups of friends. Members can record expenses, assign even, weighted or complex shares, allow multiple people to pay one bill,…

Read the review →

SplitBank is a browser-based expense-sharing app for roommates, couples, trips and friends. Users can create groups or friend-to-friend balances, record expenses, and divide them equally, by exact amounts, percentages, shares or…

Read the review →
  1. Settle UpBill Splitting Apps 7.9Free plan
  2. SplitBankBill Splitting Apps 7.8Free plan

Strengths and trade-offs

  • Settle Up — where it wins

    • Handles even, weighted and complex splits with multiple payers
    • Minimizes transfers and syncs groups across web, Windows, iOS and Android
    • Supports currencies, offline use, receipts, recurring expenses and exports

    Where it doesn't

    • Advanced tools such as receipts and statistics require a premium plan
    • Support is provided through email
    • It tracks group debts rather than acting as a conventional payment wallet

  • SplitBank — where it wins

    • Flexible equal, exact, percentage, shares and adjustment splits
    • Receipt itemization, statement imports and recurring expense schedules
    • Settlement links for Venmo, Cash App, PayPal and Zelle

    Where it doesn't

    • Web-only access limits use to a browser
    • Balances use a primary currency rather than separate currency ledgers
    • Support is provided through email

More comparisons

All bill splitting apps comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update