Software · head to head
Splitwise vs Crypto.com
The short version
- Each has a real cost: Splitwise the free tier limits how many expenses can be added in a day and shows adverts; Crypto.com trading fees are significantly higher than industry average at 0.25%/0.5% versus 0.15%/0.194%
- They diverge on capability: Splitwise covers Bill splitting, Crypto.com covers Cryptocurrency Trading.
Where they differ
Only the attributes on which Splitwise and Crypto.com actually diverge.
| Attribute | Splitwise | Crypto.com |
|---|---|---|
| Pricing model | freemium | Unknown |
| Founded | 2011 | 2016 |
Identical on both: starting price (Free), free tier (Yes), platforms (Web, IOS, Android), user rating (Not yet rated), category (Unknown).
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 Splitwise
- Bill splitting
- Expense tracking
- Group management
- Settlement tracking
- Venmo
- PayPal
- IOS support
Only in Crypto.com
- Cryptocurrency Trading
- Visa Card
- Crypto Earn
- DeFi Wallet
- NFT
- Visa
- Apple Pay
- Google Pay
Both cover
- Web support
- Android support
What people use each for
The jobs each tool is most often brought in to do.
Splitwise
- Splitting shared household bills between flatmatesnot Crypto.com
- Tracking who owes what on a group tripnot Crypto.com
- Settling up across currencies on the Pro plannot Crypto.com
- Recording IOUs between friends over timenot Crypto.com
Crypto.com
- Exchangesnot Splitwise
- Walletsnot Splitwise
- Paymentsnot Splitwise
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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
Crypto.com
- Trading fees are significantly higher than industry average at 0.25%/0.5% versus 0.15%/0.194%
- Bitcoin withdrawal fees are excessive at 0.0004 BTC (approximately $47) versus actual blockchain mining fees
- Customer support experiences significant delays up to months, with Trustpilot rating of 2.0/5
- CRO token dependency for fee reductions and card rewards exposes users to token price volatility
- Account freezes, card blocks, and verification delays reported by users
Pricing, plan by plan
Splitwise
Free- FreeFree
- Bill splitting
- Group tracking
- Mobile app
- Splitwise Pro$4.99/month
- Receipt scanning
- Advanced analytics
- No ads
Crypto.com
FreeNo published plan breakdown. See the Crypto.com review.
Which should you pick?
Choose Splitwise if
- You need bill splitting.
- You want to start without paying.
- You work on Web, IOS, Android.
- You also want expense tracking.
Choose Crypto.com if
- You need cryptocurrency trading.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want visa card.
Questions people ask
- Is Splitwise or Crypto.com better?
- Neither clearly leads. Splitwise starts at Free and Crypto.com at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Splitwise or Crypto.com?
- Splitwise starts at Free and Crypto.com at Free.
- Does Splitwise or Crypto.com run on more platforms?
- Splitwise runs on Web, IOS, Android. Crypto.com runs on Web, iOS, Android.
- Can I use Splitwise for free?
- Both have a free tier, so you can try either at no cost before committing.
- What is Splitwise best used for?
- Splitwise is most often used for splitting shared household bills between flatmates, tracking who owes what on a group trip, settling up across currencies on the pro plan, recording ious between friends over time. Of those, splitting shared household bills between flatmates and tracking who owes what on a group trip are not what Crypto.com is typically brought in for.
- What can Splitwise do that Crypto.com cannot?
- Splitwise covers Bill splitting, Expense tracking, Group management, Settlement tracking. Crypto.com covers Cryptocurrency Trading, Visa Card, Crypto Earn, DeFi Wallet. Both handle Web support, Android support.
Answered from the vendors’ own pages
Crypto.com: What are Crypto.com's trading fees?
Base spot trading fees are 0.25% for makers and 0.5% for takers. Fees decrease with higher 30-day trading volume and CRO staking, with volume-based discounts reaching 0.065% maker and 0.1% taker fees at $5M volume.
SourceCrypto.com: What is the difference between Crypto.com App and Exchange?
The App is designed for beginners with embedded spreads reaching 0.5-1%, while the Exchange platform shows transparent maker/taker fees starting from 0.25%/0.50%, with costs decreasing with CRO staking and VIP levels.
SourceCrypto.com: What are the total costs of trading on Crypto.com?
Estimated total costs are approximately 1.30% per trade, composed of 0.75% trading fees and an approximate spread of 0.55%.
SourceCrypto.com: What integrations does Crypto.com have?
Crypto.com integrates with Coinbase and Kraken for cryptocurrency trading and account activity, enabling multi-exchange portfolio management.
Source