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Personal Finance · head to head

Remitly vs Splitwise

Remitly logo

Remitly

Personal Finance

Send money faster to loved ones abroad

From
On request
Rated
-
Full reviewWebsite
Splitwise logo

Splitwise

Personal Finance

Split expenses easily with friends

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Splitwise has a free tier, so it costs nothing to try first.
  • Each has a real cost: Remitly specific transfer fees and exchange rates not published on website; users must check rates page; Splitwise the free tier limits how many expenses can be added in a day and shows adverts
  • They diverge on capability: Remitly covers International remittances, Splitwise covers Bill splitting.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Remitly and Splitwise actually diverge.

Attributes where Remitly and Splitwise differ
AttributeRemitlySplitwise
Starting priceOn requestFree
Pricing modeltransactionfreemium
Free tierNoYes

Identical on both: platforms (Web, IOS, Android), user rating (Not yet rated), category (Personal Finance), founded (2011).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Remitly

  • International remittances
  • Multiple delivery methods
  • Send money to 200+ countries
  • Currency conversion
  • Bank accounts

Only in Splitwise

  • Bill splitting
  • Expense tracking
  • Group management
  • Settlement tracking
  • Venmo
  • PayPal

Both cover

  • Web support
  • IOS support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Remitly

  • International money transfer and remittance servicenot Splitwise
  • Cross-border payments for personal financial needsnot Splitwise

Splitwise

  • Splitting shared household bills between flatmatesnot Remitly
  • Tracking who owes what on a group tripnot Remitly
  • Settling up across currencies on the Pro plannot Remitly
  • Recording IOUs between friends over timenot Remitly

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Remitly

  • Specific transfer fees and exchange rates not published on website; users must check rates page
  • Costs vary by destination country, transfer amount, and delivery method
  • No standardized fee schedule available for pricing comparison

Splitwise

  • The free tier limits how many expenses can be added in a day and shows adverts
  • Transaction import works in the United States only
  • Currency conversion, receipt scanning, charts and expense search are all Pro features
  • The Pro price is not shown on the product page

Pricing, plan by plan

Remitly

On request
  • Express$undefined/month
    • Fast transfers
    • Multiple delivery methods
  • Economy$undefined/month
    • Lower cost option
    • 3-4 day delivery

Splitwise

Free
  • FreeFree
    • Bill splitting
    • Group tracking
    • Mobile app
  • Splitwise Pro$4.99/month
    • Receipt scanning
    • Advanced analytics
    • No ads

Which should you pick?

Choose Remitly if

  • You need international remittances.
  • You work on Web, IOS, Android.
  • You also want multiple delivery methods.
Remitly review

Choose Splitwise if

  • You need bill splitting.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want expense tracking.
Splitwise review

Questions people ask

Is Remitly or Splitwise better?
Neither clearly leads. Remitly starts at On request and Splitwise at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Remitly or Splitwise?
Splitwise has a free tier; the other does not. Paid plans start at On request for Remitly and Free for Splitwise.
Does Remitly or Splitwise run on more platforms?
Both run on Web, IOS, Android, so platform support will not decide this one for you.
Can I use Splitwise for free?
Yes. Splitwise has a free tier, so you can try it without paying. Remitly starts at On request.
What is Remitly best used for?
Remitly is most often used for international money transfer and remittance service, cross-border payments for personal financial needs. Of those, international money transfer and remittance service and cross-border payments for personal financial needs are not what Splitwise is typically brought in for.
What can Remitly do that Splitwise cannot?
Remitly covers International remittances, Multiple delivery methods, Send money to 200+ countries, Currency conversion. Splitwise covers Bill splitting, Expense tracking, Group management, Settlement tracking. Both handle Web support, IOS support, Android support.

Answered from the vendors’ own pages

Remitly: How much does Remitly charge for transfers?

Remitly fees vary by destination country, transfer amount, and delivery speed. The company emphasizes no hidden fees but does not publish a standardized rate table on their main site. Users must visit the Rates and Fees page or enter transfer details in the app for specific pricing.

Source
Splitwise: Is there a free version of Splitwise?

Yes, Splitwise offers a free version available for iPhone, Android, and web with core features including adding groups and friends, splitting expenses, recording debts, equal or unequal splits, offline mode, and cloud sync.

Source
Splitwise: What is Splitwise PRO and how much does it cost?

Splitwise PRO is an upgrade offering receipt scanning, charts and graphs, currency conversion, and additional features. The specific price is not published on the main website; users must visit the subscription page or access the app to view pricing details.

Source
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