BHIM vs Splitwise
BHIM
npci.org.inSplitwise
splitwise.comSide by side
| Figure | BHIM | Splitwise |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | — | Yes |
| Plans published | 1 | 8 |
| Spec score · Peer-to-Peer Payment Apps | 8.2 (#10) | 8.8 (#3) |
| Founded | 2016 | 2011 |
| Free plan | Yes | Yes |
| Privacy | The privacy policy says BHIM may collect phone, financial and transaction, device, SIM, IP address and location information, and says it does not store users’ contacts when contact access is granted. | Expenses are not public, and details are visible to the friends or group members with whom the user shares them. |
| Security | BHIM’s FAQ says the UPI PIN is used to authenticate UPI transactions, and the privacy policy describes safeguards including firewalls, encryption and data leakage prevention technologies. | Splitwise says it uses technical and administrative security measures, including encryption techniques and authentication procedures, to protect online sessions. |
| Support | The FAQ lists BHIM’s toll-free support number as 18001201740 for queries or complaints. | Splitwise lists email support and says it aims to reply to most support requests within one business day. |
| What it does | BHIM is a UPI payment app for direct bank payments and money requests using a UPI ID or QR code. | Splitwise is a Providence-based service for recording shared bills and IOUs so participants can see who owes whom. |
Plans
Splitwise
- Individual + Trip PassPrice not published
- Duo + Trip PassPrice not published
- Monthly subscriptionPrice not published
- FreeFree
- FreeFree
- Splitwise Pro monthly$4.99 a month
- Splitwise Pro annual$39.99 a year
- Splitwise ProPriced on request
In their own words
BHIM
BHIM is a free UPI payment app for Android and iOS that sends money directly between bank accounts and handles payment requests. Users can pay with a UPI ID, a UPI-registered mobile number, or an account number and IFSC code, and can link up to five bank accounts. BHIM describes the service as available 24x7. Its FAQ states a limit of Rs 40,000 per transaction and Rs 40,000 per day for each linked account; new users have a Rs 5,000 limit during their first 24 hours. Bill Pay supports electricity, gas, DTH, telecom, loan EMI, insurance, water, FASTag, cable TV, and education bills when the bank is enabled on Bharat Bill Pay. Merchants can add up to three collection agents with individual QR codes. A UPI PIN authenticates transactions. The privacy policy says BHIM may collect phone, financial, transaction, device, SIM, IP address, and location information, while not storing contacts when access is granted. Completed transactions cannot be reversed unless the recipient refunds them.
Splitwise
Splitwise organizes shared expenses and IOUs for friends, families, housemates, and trip groups. Users can divide costs equally or unequally, including by percentage or shares, while the service calculates balances and can simplify debts among group members. It includes recurring expenses, offline mode, and cloud sync, and lists support for more than 100 currencies. Pro adds currency conversion using current foreign exchange rates, receipt scanning, itemization, charts, graphs, and expense search. Users can record cash or online payments; Splitwise Pay supports sending payments to friends in the United States. Pro transaction import connects a credit or debit card to show recent purchases for splitting, a feature currently available only in the US. Splitwise is available on Android, iOS, and the web, and offers an API for authorized third-party access. Expense details are visible to the friends or group members they are shared with. The free plan costs nothing and includes unlimited expenses, groups, friends, and balances. Splitwise says its expense and payment records are informal and not legally binding.