Monzo Split
Split, track, pay and chase payments, all with a free Monzo bank account. Even if your friends don’t bank with us.
Ts&Cs apply.
Split ongoing and one-off costs
Split a single payment
Like the weekly shopping or a dinner bill. We’ll do the awkward bit and send payment reminders too.
Open a Running Split
For repeating costs, like household bills or group trips.
Name your Split, invite friends from all over the world, and add the things you’d like to track and settle. We’ll do the maths on who owes what.
Running Splits = less legwork
Make managing shared costs for things like trips abroad or heading to music festival a little less painful.
Add friends not on Monzo
If your friends don’t bank with us, share a link to your Split so they can join as guests.
Pay and get paid in one tap
Settle a Split with someone in just one tap – even if they don't bank with us. Just make sure you've added their bank details first.
Leave the chasing to us
Waiting for a friend to pay you? Add it in the app and we’ll remind them. (Nicely.)
Do it all on Monzo
Don’t fancy creating a ‘who owes what’ group chat? Add, track and settle payments all in the app.
Zero fees
Using Split is completely free, for you and all your friends, family and flatmates.
Pay in full or bit by bit
If there's a bigger balance to pay, you can settle up in smaller chunks.
Monzo Split versus Splitwise Core
Splitwise offers an alternative to Monzo Split – see how they compare in the table below. Based on publicly available information from Splitwise as of 18/03/2026.
Monzo
Splitwise Core
MonzoSplitwise Core
One-tap payments
Simplify who owes what
Send payment reminders
No paywalls or ads
Add expenses directly from your activity feed
Add as many expenses as you want
Add people from all over the world
Add expenses in multiple currenciesJoin the waitlist
15 million personal and business customers in the UK already bank with Monzo – now it’s Ireland’s turn. Join the waitlist now for the chance to get early access.
