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Apps and bank accounts to split bills with friends

Discover the apps and accounts that let you easily split bills, send payments and request funds.

Payments, especially between friends, are always a little awkward. You might get stuck splitting a dinner equally when you only had an entree and water, or maybe you have who one friend who always forgets to pay you back.

Fortunately, there’s a range of bill-splitting apps and accounts that are designed to smooth this whole process and make payments between friends, groups or anyone else a lot easier.

Here is a guide to what’s available and how to pick the right option for you.

Compare apps to split bills and payments with friends

There is a range of options to send money to other banks, request money you’re owed or split a bill between a group. You can also use some of these apps to manage ongoing expenses such as between housemates, colleagues or sports teams.

Here is a rundown of these options, what type of app or account they are and what purpose they are best suited for:

AppTypeKey featuresApp Store
  • Track balances. Keep track of shared expenses, balances, and consolidated debt across multiple groups and private expenses
  • Organise expenses. Create different groups to track recurring (e.g. monthly, weekly, yearly, fortnightly) or one-off expenses.
  • Add expenses easily. Quickly add or categorise expenses or IOUs on-the-go in any currency. Supports offline entry.
  • Cloud support. Expenses are backed up online and can be exported to CSV.
  • Simplify debts. Settle debts conveniently and record any cash or online payment.
  • Advance debit splitting features. Split expenses equally by percentages, shares, or exact amounts
  • Instant alerts. Stay on top of changes with live activity feed and push notifications.
  • Multi-platform and language support. Available for Android, iOS and web in 7+ languages.
  • Premium features. Benefit from other features such as receipt scanning, charts and graphs, currency conversion and more. Requires Splitwise Pro subscription.
Settle UpApp
  • Simplify debts. Split bills and add IOUs for various scenarios with ease.
  • Organise expenses. Create groups, track expenses and filter transactions.
  • Convenience. Share group details quickly via a link or to nearby devices without requiring every member to download the app.
  • Data storage. Data can be backed up, synchronised and exported to CSV.
  • Real-time exchange rates. Add expenses in all currencies and convert via real-time exchange rates.
  • Notifications. Stay notified of any changes with instant alerts.
  • Multi-platform and language support. Available for Android, iOS and web in multiple languages. Supports offline entry.
  • Premium features. Enjoy other bonus features such as creating recurring transactions, adding photos of receipts, personalisation and an ad-free experience. Requires Premium upgrade.
Plates by SplitwiseApp
  • Specialised app. This app is specially designed for fast and simple check splitting at restaurants.
  • Secure payment link. Create a secure payment link to collect and track group expenses from anyone with a PayPal account.
  • Advanced bill splitting feature. Add items and drag them to the individual diners (up to 10 pax). Totals will be updated automatically in real time.
  • In-app calculator. Calculate tax and tip quickly.
  • Split bills equally. Divide expenses (both Grab and non-Grab related services) and request payments from family and friends in just a few taps.
  • Instant alerts. Receive a notification once you’ve received the payment in your GrabPay Wallet.
  • Expense management. Track and control business finances conveniently through automatic expense submission.
  • Real-time reporting. Make better spending decisions with live insights.
  • Itemisation. Categorise and organise transactions by taking photos of receipts.
  • Virtual cards. Stay protected from online fraud with disposable virtual cards.
  • Export transactions. Export data into QuickBooks, Xero, NetSuite, Intacct, and more
RevolutDigital bank
  • Track and split expenses. Create groups, add bills and divide expenses conveniently.
  • Debt settlement. Collect payment with ease by making an in-app payment request. The debtor will then receive a notification with the payment amount.
  • Multi-currency support. Bills can be split and converted in multiple currencies.
  • Customisation. Differentiate groups at a glance by customising them with a unique name and photo.
DBS PayLah!Bank
  • Easy payment request. Request and receive funds from anyone (including non-DBS/POSB customers) via mobile numbers, QR codes and payment links.
OCBC Pay AnyoneBank
  • Divide bills. Enter the amount you wish to split. If you select equal splitting, the sum will be divided automatically.
  • Request payments. Initiate payment request from multiple contacts.
Google PayApp
  • Organise expenses. Manage payments, divide bills and other joint expenses within a single app.
  • Streamline cost-sharing process. Create groups and recurring payments for greater convenience.
  • Compatible with PayNow. Connects to DBS, OCBC Bank and Standard Chartered Bank via PayNow. This way, users can send funds directly to any PayNow user.

What types of payments can I split?

You can choose to split any of the payments that you would normally send to someone through cash or bank transfer. These can include:

  • Rent payments
  • Household expenses
  • Restaurant or bar bills
  • Ongoing group or team expenses
  • Hotel bookings, taxis or other travel expenses

How to compare apps and accounts that let you split payments

There are a few different apps and accounts available, so here is what to keep in mind when comparing your options to find the right one for you:

  • What type of account is it? Some of the accounts listed above are apps with bill-splitting functionality whereas others are transaction accounts or prepaid cards. So, if you want a transaction account that allows you to split bills then this may be the right option for you. If you don’t want to switch transaction accounts or open an additional transaction account, then an app with bill-splitting functionality may be a better option to consider.
  • What type of bills will you be splitting? Do you want to be able to manage expenses with your housemates or the same group of people, or are you looking for an easy way to split everyday payments? Think about why you’re looking for this type of functionality and then be sure to choose an option that supports it.
  • Who can you split payments with? Some apps require everyone involved in the payment to sign up to the app, while others can send money to and request payments from people if they do not have the app installed. Check what restrictions apply.
  • How fast are the payments made? Many of these accounts let you make instant payments but for others the transfer time can be up to two days.
  • Compatible devices. Make sure the app or account you have chosen is able to be downloaded on your smartphone, that is, either Android or iOS.

Are bill-splitting apps safe?

Generally yes, but it’s best if you check the safety and security features of any bill-splitting app or account you sign up to. In the case of digital banks, you can be sure of bank-level security when making payments. If an app also comes with a prepaid or debit card, check the terms and conditions to find out who’s the card issuer and which company will be responsible if your money is lost.

If the app is just that, an app, you can usually find information regarding security on the provider’s website. This information may include where your information is stored and how secure it is and who to contact if there are security issues with your account.

How to sign up for a bill-splitting app or account

The sign-up process will differ greatly between providers and also between account types.

If you are signing up for a bill-splitting app you may just need to add a card to the account. With some apps, you might also need to confirm your identity using your government-issued ID or passport.

If you sign up for a digital bank account with bill-splitting functionality, you will need to confirm who you are using identity documents as well as personal information.

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