| Guests join without an account | Yes, from a link or QR code in the browser | Everyone needs an account | No account needed | No sign-up |
| Works without installing an app | Web app, any phone browser | Web and native apps | Web and native apps | iOS and Android apps only |
| Receipt scanning | Included, free, several photos per receipt | Paid Pro feature | Reads the receipt into an expense | Not available |
| Each person claims their own lines | Live, from the scanned receipt | Itemised splits on scanned receipts, Pro | Split per expense, not per line | Split per expense, not per line |
| Tip, service and deposits split by what you had | Proportional by default, adjustable | Entered as part of the amount | Entered as part of the amount | Entered as part of the amount |
| Local receipt rules (SGR, Pfand, coperto, sales tax) | Built in | No | No | No |
| Free plan limits | No caps on bills, guests or scans | Up to 4 expenses per day, ads | Free, no cap | Free; more than one group is a one-time purchase |
| Multiple currencies | Per expense, rate locked at entry | Entry free, conversion in Pro | 150+ currencies | 150+ currencies |
| Debt simplification | Yes | Yes | Yes | Yes |
| Settle only part of a trip | By date, expense or person | All or nothing | All or nothing | All or nothing |
| Rounding guaranteed to add up | Whole cents, deterministic | Not documented | Not documented | Not documented |
| Moves the money | No; copy IBAN or amount, mark as paid | Payment links in some countries | bunq integration | No |