Side by side
Lydia vs Splitwise
Both stand on peer-to-peer payment apps. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free plan AndroidiPhone
Lydia provides person-to-person transfers, mobile wallet functions, and money pots for private events. Review the transfer region and variable fees, particularly for some withdrawals and card transactions.
Visit Lydia Free plan AndroidAPIiPhone+1
Splitwise covers shared spending from expense entry through group balance calculation, with offline access and a free plan that includes unlimited expenses. Its records are informal rather than legally binding, and some payment and import features have US limits.
Visit SplitwiseThe facts
| Lydia | Splitwise | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | No |
| Runs on | Android, iPhone | Android, API, iPhone, Web |
| Lowest paid plan | Free or on request | Splitwise Pro annual: $39.99 a year |
| Plans published | 2 | 7 |
| Maker | Lydia | Splitwise |
| Website | lydia.me | splitwise.com |
| On peer-to-peer payment apps | #4 of 24 | #8 of 24 |
Lydia: what it does well
- Recipients do not need a Lydia account to receive a contact transfer.
- Money pots accept card, bank transfer, Apple Pay, and Google Pay.
- Pot creation and participation are free.
- Support is available in-app or by email, with a 12-hour average response.
What to know first
- Money pots are not for public donations or cause fundraising.
- Some pot withdrawals incur a 4% fee.
- Card-funded sends and top-ups cost 2.5% above €250 per month.
- Online card receipts cost 2.5%.
Splitwise: what it does well
- Splits costs equally or by percentage or shares.
- Calculates group balances and can simplify debts.
- Free plan includes unlimited expenses.
- Supports offline mode and cloud sync.
- Lists support for more than 100 currencies.
What to know first
- Card transaction import is currently US-only.
- Splitwise Pay sending is limited to friends in the US.
- Expense and payment entries are not legally binding.
- The service is not for children under 13.
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