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Owecrew vs Splitwise

Splitwise is built for ongoing shared expenses. Owecrew is built for the table: snap the receipt, drop the link, each person taps what they had — before the taxi comes.

If you want a ledger that lives on forever, Splitwise still does that job. If you want itemised restaurant and trip bills sorted in the browser, with no download and no ads, Owecrew is the better fit.

Quick comparison

Unlimited free logging, no ads, no caps

Owecrew keeps the basics free forever: snap the receipt, share the link or QR, tap-to-claim, settle up, and send “who owes what” to the group chat. No ads. No daily limits. Log as many bills as you like.

Splitwise’s free plan works, but it comes with ads and usage limits that push you toward Premium. If you’re splitting Friday drinks and a curry every week, that friction adds up.

Guest browser join — your mates don’t need an app

Drop the link in the group chat, or let everyone scan the QR across the table. They pick a name and tap what they had. Nothing to download, no sign-up, no ads.

With Splitwise, people usually need the app and an account before they can claim their share. Fine for a long-running house expense sheet. Awkward when the bill arrives and the taxi is two minutes away.

One Premium covers the whole crew

Owecrew’s line is simple: one person pays, the whole crew gets it.

• Trip Pass — £4.99 once — one crew, 14 days, no subscription, no account needed. Split five ways and it’s about £1 each. Perfect for a stag, hen or holiday.
• Plus — £3.99/month or £19.99/year (Best value) — every crew you’re in, cancel anytime.

Premium unlocks Table round, Trip mode, Bill assistant, Fair share and Double-check. Every crew gets a free go of Premium features first.

Splitwise Premium is typically bought per person. If five of you want the extras, that’s five subscriptions — not one.

Itemised, not guessed

Owecrew reads every line, price and quantity from the receipt. Shared plates split evenly. Fair share (Premium) puts service, tips and discounts against what each person ordered, not an equal cut of the total.

That’s different from “everyone owes the same” or logging a round number into a shared balance. You pay for what you actually had — and skip the wine you didn’t drink.

When Splitwise still makes sense

Keep Splitwise if you need a long-running balance between housemates or a couple — rent, utilities, recurring transfers over months. Owecrew isn’t trying to replace that ledger.

Use Owecrew when the bill is on the table (or in your hand on holiday) and you need it sorted now: restaurants, pubs, takeaways, stag weekends, city breaks.

Many crews use both: Splitwise for the house, Owecrew for nights out. See also bill splitting for housemates and Owecrew vs Monzo Split.

FAQ