HEY!Money vs Splitwise: which one fits how you share money?
HEY!Money is a light way to note who owes you, send a friendly reminder and mark it paid, with no bank connection. Splitwise is more complete for trips, flatmates, recurring bills and uneven splits across many people.
Choose by what you need
| If you need… | HEY!Money | Splitwise |
|---|---|---|
| Track who owes you a specific amount | Yes, with who, how much and why. | Yes, including IOUs. |
| Remind someone to pay | Yes. A friendly reminder by SMS or email that you review before sending. | Notifications and activity on expenses. |
| Split a dinner or trip between several people | Yes, with an even split calculator. | Built for groups, trips, homes and families. |
| Uneven splits (percentages, shares) | Not the focus. | Yes. |
| Simplify debts across a group | Not available. | Yes. |
| No bank connection | Never asks for bank access. | Manual tracking; payment integrations vary by country. |
How HEY!Money handles a debt
- Note who owes you, how much and why. Recording debts and splitting bills is always free.
- When you decide, send a HEY: a short, friendly reminder by SMS or email. Nothing is sent automatically.
- Your friend pays you however you like (bank transfer, cash, a payment app) and you mark it as paid.
Where Splitwise has the edge
- a trip where different people pay for different things;
- a shared home with rent and recurring bills;
- expenses split by percentages or exact amounts.
Which should you choose?
Pick HEY!Money if you want to get paid back for everyday debts with the least effort and without awkward conversations. Pick Splitwise if you need to coordinate complex group finances.
Add your first debtSources
Written by HEY!Money from its current features and public information from Splitwise official website, reviewed on 3 November 2026. Not an independent review; other apps’ features may change. HEY!Money and Splitwise are trademarks of their respective owners.