Splitwise has been the default recommendation for splitting bills with friends for over a decade. Tricount was the European challenger - signup-optional, ad-free, beloved across the EU - and was acquired by Bunq in 2022 and rebuilt into the Bunq ecosystem. Both still get recommended in the same breath, which is why so many groups end up in a quiet WhatsApp argument about which to actually use for their trip to Lisbon.
The short version: Splitwise has the bigger feature set behind a paywall (and a free tier that caps you at roughly three expenses per day); Tricount has a tighter feature set, no daily caps, no ads, but a lighter modern feature set (no AI receipt scanning, no payment links beyond Bunq). Which one you want depends almost entirely on whether you're happy paying for Pro and whether you trust the Bunq direction. Neither is the answer for everyone.
Feature comparison
Pulled cell-by-cell from our /compare/ data. Anything that looks stale - tell us and we'll fix it.
| Feature | Splitwise | Tricount |
|---|---|---|
| Price | Free tier capped around 3 expenses/day; Pro is $4.99/mo or $39.99/yr (£3.99/mo UK) | Free, no ads, no IAPs |
| Signup required | Yes - email or social login | No (optional account for sync) |
| Multi-currency | Yes (Pro only for live FX) | Yes |
| AI receipt scanning | Pro only; supports line items via 'itemize receipt' | No |
| Smart settlement (fewest transactions) | Yes ('Simplify debts') | Yes |
| Real-time updates | Pull-to-refresh | Manual sync |
| Recurring expenses | Yes | Yes |
| Comments on expenses | Yes | Yes |
| Web app | Yes (limited vs. mobile) | Yes |
| Native mobile app | Yes - iOS, Android | Yes - iOS, Android |
| Group templates | No | Limited |
| CSV / PDF export | CSV (Pro only for full history) | CSV, PDF |
| Payment links (Stripe / PayPal / Wise / Revolut) | PayPal, Venmo (US only) | Bunq integration |
| Languages | 10+ | 10+ |
| Data residency | US (AWS) | EU (Bunq / Netherlands; Tricount team in Belgium) |
| Open source | No | No |
| Ads | Yes (free tier) | No |
The third option
Most people don't actually need a third option - if your group is happy with Splitwise's daily cap or Tricount's feature set, you're fine. The third option is EvenRound, which we built because we kept hitting the gaps in both. No signup like Tricount, no daily cap and AI receipt scanning like Splitwise Pro, multi-currency, EU-hosted. The /compare pages give the head-to-head against each separately.