Splitt vs Tricount: which is better for couples in 2026?
Tricount has 21 million users and a 4.8 rating on the App Store. It is one of the most downloaded expense-splitting apps in the world. If you have ever been on a group trip, someone almost certainly suggested using it.
But if you are a couple looking for the best tool to manage your day-to-day expenses, the question is not which is the better app? but which one is designed for you? And that changes everything.
The problem with using Tricount as a couple
Tricount was built for groups. Its tagline says so plainly: “The simplest way to share expenses with friends.” Friends, not couples. The onboarding, the interface and the internal logic all assume multiple participants logging expenses from different devices.
Yes, you can create a two-person group. But you will be using a group tool with all its complexity — without any of that complexity actually benefiting you. It is like hiring a moving van to go grocery shopping: it works, but it is not built for you.
No Bizum. In Spain, Bizum is the default way to transfer money between people. Tricount does not integrate it. When you reach the moment of settling up, you have to leave the app, open another one, and make the transfer manually. A small detail that, in daily use, becomes a real friction point.
Requires installing a native app. Tricount is only available on iOS and Android. It does not work in a browser. If one of you has a phone with limited storage, or simply does not want to install yet another app, you already have an adoption problem from minute one.
Language is a factor. Although Tricount has some Spanish support, the experience is not native. Notifications, emails and parts of the flow appear in English. For the average couple, this adds friction — especially for whoever is less tech-savvy.
The bunq integration: useful only if you bank with bunq
Tricount was acquired by bunq, the Dutch digital bank. That has one important implication: Tricount's most powerful banking integration works best if you have a bunq account.
If you are not bunq customers — which is the case for the vast majority of couples outside the Netherlands — you miss out on the differentiating feature entirely. You end up using a group app, without Bizum, without native language support, and without the banking integration that makes it unique.
Tricount is excellent for friend groups travelling together. For a couple managing daily expenses, Splitt covers exactly what you need — without the complexity you don't.
What makes Splitt different
Splitt was built from day one for exactly two people. Not for roommates, not for group trips — for couples. That focus shapes every decision in the product:
The balance is always visible on the home screen. You open the app and immediately know who owes what. No tapping through menus, no switching between group views. One screen, one number, one relationship.
Bizum is integrated. When it is time to settle, you tap once and Bizum opens pre-filled with the right amount. No leaving the app, no manual entry.
No download required. Splitt is a PWA — it works directly in your browser and can be added to the home screen in seconds. Your partner does not need to find it in an app store.
Splitt vs Tricount: full comparison
An honest comparison from a couple's perspective:
| Feature | Splitt | Tricount |
|---|---|---|
| Designed for couples | Yes, exclusively | No (groups) |
| Installation required | No (PWA in browser) | Yes (iOS / Android) |
| Bizum integrated | Yes | No |
| Price | Free | Free |
| Native language support | 7 languages (native) | Partial |
| Balance visible in real time | Always on home screen | Yes, inside the group |
| For groups of 3+ people | No | Yes (up to 30) |
| Banking integration | No | Yes (bunq only) |
When to use Tricount vs Splitt
✅ Use Splitt if…
You are a couple and want to track daily expenses in your language, with Bizum, without installing anything, and with the balance always in view.
👥 Use Tricount if…
You are a group of 3 or more — a trip, a shared flat, a group dinner — and need to manage payments between multiple participants.
📱 How to use Splitt: step-by-step tutorial
Launch it in your browser and tap “Add to home screen.” No download needed.
Just your name and email address. Your personal space is ready in 30 seconds.
Generate an invite link and send it via WhatsApp. When they open it, you are instantly connected.
Tap the + button, enter the amount, category and who paid. Under 10 seconds.
The home screen shows who owes what. Tap “Settle via Bizum” to pay without leaving the app.
Frequently asked questions
Yes, you can create a two-person group in Tricount, but the app is built for larger groups. The flow assumes multiple participants and creates unnecessary friction for a couple.
No. To settle up in Tricount you have to leave the app and use Bizum manually. Splitt integrates Bizum directly from the balance screen.
Yes, Tricount is free. Its advanced banking integration is designed for bunq customers, which is not the default bank for most couples outside the Netherlands.
Splitt is designed exclusively for two: the balance is always visible, Bizum is integrated, it works in 7 languages, requires no installation, and includes monthly stats. Tricount adds group complexity that a couple simply does not need.
Tricount for groups. Splitt for the two of you.
The expense app built for couples. Free, no download, Bizum included.
Try Splitt free →