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Tricount alternatives: 8 apps ranked on who owns them and what they cost

October 7, 2026 · 12 min read · Dimesum Engineering

Tricount belongs to the bank bunq, is free, and no longer sells a Premium tier. Here are eight alternatives, ranked on who owns them, what they cost a whole group, whether they still ship, and whether everyone can join.

Tricount has belonged to a bank since 2022. The bank bunq bought it, keeps it free, and withdrew its paid Premium tier, so the app now sits inside a bank's product line. If you would rather your group's ledger belonged to no bank at all, Dimesum is the free alternative we built for that, and it is first on this list because it is ours.

Below are eight Tricount alternatives, ranked on four plain tests: who owns the app and how it makes money, what it costs a whole group, whether it is still being updated, and whether everyone at the table can join without an account at a particular bank. Every fact about another app is dated, and comes from store listings, company pages and filings checked in August 2026.

What Tricount is today, in three dated facts

Start with what the app is, because that is the reason most people reading this are reading it. These are the facts our market research recorded in August 2026, and nothing more.

1. A bank owns it. bunq announced it was buying Tricount in 2022, as TechCrunch reported at the time.
2. It is free, and the paid tier is gone. Tricount's Premium tier was withdrawn, so there is nothing to buy. Its own homepage describes the app as free.
3. It is the bank's funnel. A free splitting app inside a bank is a way to meet people who might open an account. Splitwise is moving the same way from the other side, with a debit card and a wallet.

That is a description, not a verdict: the app is a bank's place to keep a trip. Whether that matters is your call, and the rest of this page is for the groups who decided it does, or who want to know what else exists before they decide.

One thing we do not do here is compare Tricount's features against anyone's. Our research covered ownership and money, not how its edits, currencies or exports behave, so we leave those unsaid rather than guess.

The four tests, and why these four

1. Who owns it, and how it makes money

A splitting app has to be paid for somehow. Some sell a subscription, some sell a one-time purchase, some show ads, and some are a door into a bank or a card. The model tells you what the app will push you towards. A subscription app nudges you to pay; a bank's app nudges you to bank.

Dimesum's answer is plain: the ledger is free, it never holds or moves money, and settling opens a door to whatever way the other person gets paid. Our post on expense sharing apps that keep your data private goes further into what each model does with what you type.

2. What it costs the whole group

Price per person is the wrong number. A group of six on a week in the Alps pays whatever the app charges times however many of them have to pay it. One reviewer of Splitwise put it bluntly on the App Store in Great Britain, on app version 26.5.4: "EVERY member of a group needs a subscription". Settle Up sells the other shape, a pass one person buys for the whole group.

3. Whether anyone is still shipping it

An app that has not shipped in a year is not necessarily broken. It is a risk to a record you plan to keep for years, like a flat's rent. We read the last update date off each Android listing and print it.

4. Whether everyone can join

Every group has one person who will not install anything. The test is whether that person can still be in the ledger. Dimesum gives them a kept place, a named seat that holds their balance until they open the link, and our guide to splitting a bill with someone who doesn't have the app shows how that works on a real dinner.

The 8 Tricount alternatives, ranked

1. Dimesum

Dimesum is a shared ledger for groups that split money more than once: a flat, a trip, a standing dinner. The ledger is free, with no daily limit on bills. A group holds up to 50 people. Someone without the app opens a bill from a link or a QR code and takes a seat by signing in in the browser, and someone with no account sits in a kept place until they claim it.

Every balance is kept in its own currency.

Say Lucas pays £120 for a hotel night in London and Sofia pays €80 for dinner in Paris, each split four ways with Emma and Noah. Lucas is owed £90. Sofia is owed €60. Emma and Noah each owe £30 and €20, and nobody picked an exchange rate to get there.

Settling takes at most one transfer fewer than the number of people, per currency, and our settle up guide shows the arithmetic. An edit restates the whole split and keeps the earlier version in the history, the rule we explain in why an edit must restate its split. Dimesum never holds money. When someone settles, it offers a door to the other person's way of being paid, such as Revolut, Wise, PayPal or an IBAN.

The limits, plainly: the web app at app.dimesum.com is live, and the Android and iOS apps are in closed testing. There are no store listings yet, so there are no store ratings to show you.

2. Splitwise

Splitwise is an independent company in the United States, not owned by a bank. It has a free tier and a paid tier called Pro. As of August 2026, its US in-app price points were $2.99, $3.99, $4.99, $29.99 and $39.99, with current and older tiers listed side by side, and regional prices vary widely.

Pro covers unlimited expenses, no ads, receipt scanning and itemising, currency conversion, charts, search and a JSON backup. The free tier stops at 4 expenses a day, as Splitwise's help centre states as of 7 October 2026. One App Store review from Great Britain, on version 26.6.3, shows what meeting it is like: "after your 4th expense it says 'daily limit reached'". Our post on the Splitwise daily expense limit covers the cap and what Pro changes.

The business is moving towards money itself. Splitwise Pay is a US wallet with banking by Coastal Community Bank, and the Splitwise Card, a Mastercard debit card from the same bank, splits purchases at the till and grants unlimited expenses without Pro. Leaving Tricount for Splitwise swaps one bank's front door for a card. Our Splitwise alternatives list and the Dimesum and Splitwise comparison go deeper.

3. Splid

Splid sells itself once. As of August 2026, its paid upgrade was a single $3.99 purchase, with no ads and no subscription. No bank owns it.

The fact to know is maintenance. Its Android listing showed a last update of 23 August 2025 when we checked in August 2026, twelve months without a release. On 7 October 2026 it still showed the same date. We cover Splid in more depth in Splid and Settle Up alternatives.

4. Settle Up

Settle Up charges in two shapes: a personal subscription, and a group pass that any one member can buy for everyone in that group. As of August 2026 the group pass ran from $5.99 for a week to $149.99 for a lifetime, in US prices.

That second shape answers the cost question differently from Splitwise. One person pays once and the whole group gets the paid features. A week in the Alps costs the group $5.99, paid by one of them, whatever the group then does about that $5.99.

5. Spliit

Spliit is open source. It runs in a browser, or on a server you host yourself, and it is free. Its founder started it, in the founder's own words on Hacker News in February 2024, "because I was sick of Splitwise, of all the ads".

The money behind it is small and public. Spliit's income was about $1,300 a year, 92% of it from the founder's own donation, when our research looked in August 2026. Continuity rests largely on one person, which is the trade for a ledger no company owns.

6. Tab

Tab is free, and how it makes money is not published anywhere we could find in August 2026. Free with no stated model is a fact, not a promise.

Its Android build has not been updated since May 2023, more than three years before this page. For a one-off dinner that may not matter. For a record you mean to keep, it is the line to read twice.

7. Revolut Group Bills

Group Bills is a feature inside Revolut, so leaving Tricount for it means leaving one bank's splitter for another's. It launched on 19 August 2020, as FinTech Global reported that week, and keeps running balances for groups of 2 to 20 people with what Revolut calls Smart Settle.

People without a Revolut account can take part through a web link at groupbills.revolut.com, available since about mid 2025. Revolut's Group Bills terms say: "We do not currently charge a fee for the use of Group Bills." Our comparison of bank split features sets it beside Monzo, Venmo and the rest.

8. Monzo Split

Monzo Split is also a bank's feature, rebuilt and relaunched on 24 March 2025. It keeps a running list of expenses with no limit on how many, and lets someone pay back part of a balance rather than all of it.

Guests join by link, with no Monzo account and no UK address needed. Monzo advertises "No paywalls or ads", and keeps a feature grid against Splitwise's free tier on its own site, footnoted "as of 18/03/2026".

A bank's ledger and a neutral one do different jobs

There is a trap in this category, and it is worth stating once. The app that keeps the score cannot move the money, and the app that moves the money tends to keep a thinner score. Revolut and Monzo close that loop by being banks. Everyone else, Dimesum included, sits on the score keeping side.

We chose that side on purpose. A group is rarely one bank. Mei pays with Wise, Tomás with an IBAN transfer, Jonas with Revolut, and Aiko only ever has cash. A ledger that belongs to none of them can hold all four, and the multi-currency money bugs post explains what goes wrong when a ledger quietly picks one currency for everybody.

That is also why the figures in our example stay apart. £90, €60, £30 and €20 are four balances, not one number at somebody's rate. Our explainer on why shared balances never add up shows what happens to a total once two currencies are folded too early.

The pound column sums to zero: 90 − 30 − 30 − 30. So does the euro column: 60 − 20 − 20 − 20.

Settling the pounds takes three transfers to Lucas. Settling the euros takes three transfers to Sofia, Lucas among them. Six transfers for four people in two currencies, and every one of them can go through whatever app the payer already uses.

How to move a group off Tricount

Moving is a group decision, and groups default to staying put. The cheapest moment is the end of something: a trip that just settled, a lease that just renewed. Start the next one in the new app and leave the old one where it is.

If the history has to come with you, look for a spreadsheet export of each group in Tricount first. Dimesum can take a history in from a spreadsheet: you give an AI assistant your Dimesum key and the file, it shows you a dry run, and then adds every row with its real date and payer. Our guide to moving a group off Splitwise walks through that import step by step, and the import part works for any app's spreadsheet.

Nobody else in the group has to sign up that day. Add them as kept places, share the invite link, and they claim their seats when they get to it.

Stay where you are if…

These are conditions, not recommendations. If all of them describe your group, moving buys you little.

• Everyone in the group already uses Tricount, and nobody minds that a bank owns it.
• The group's history lives there, nobody needs it anywhere else, and nobody wants to organise a move.
• Your group settles in one currency and everyone is happy with how it pays each other today.

If one of those is false, the table at the top is the shortlist. For a wider list that is not about Tricount at all, see our bill splitting apps compared, and for trips in particular, the best apps to split travel expenses.