For groups that do not share a bank
Tricount does the maths and then hands you to a bank account. That last step is the one that stalls when your group is spread across four countries.
Takes ten seconds. No email, no password, no download.
Tricount is good at the part it is built for:
tricount helps you keep track of who paid what. Invite your friends, add your expenses, focus on the fun.
If that is the problem you have, you do not need an alternative. People go looking for one for a different reason, and it is not the maths — it is what happens after the maths.
Look at how it expects you to settle up
Two lines from Tricount's own homepage describe the settle path, and both assume something about your group.
Send a payment request straight from the app and get paid directly to your bank account.
Pay with your bunq card and the expense gets automatically added to your tricount.
Both quotes name the rail: a bank account, and a bunq card. If your group has neither in common, neither line applies to you.
A group of four in Berlin will have a fine time. A group of four in Berlin, Buenos Aires, Lisbon and Bangkok will get to a correct number and then spend three weeks not paying it.
What Split does differently
| Peanut Split | Tricount | |
|---|---|---|
| Cost | Free forever, no paid tier | "100% free" |
| Doing the maths | Balances reconcile to the cent | "tricount does the math for you" |
| Settling up | Whatever the two people can actually use — cash, a local transfer, or a payment link | "get paid directly to your bank account", or a bunq card |
| Best case | Group spread across countries, banks and currencies | Group that shares banking rails |
Quotes taken from tricount.com/en in July 2026.
Settling up is the row that matters. The rest is close enough that it should not decide anything.
The two things that break a cross-border group
Where a split actually fails
- Nobody has the same app"Just send it to me" collapses when one person has Revolut, one has a bank that shuts at four, and one is in a country neither reaches. So don't require a particular one.
- You paid in one currency and owe in anotherPick what the room counts in, add expenses in whatever you actually spent, and Split converts. Free forever, and not a feature behind a tier.
When Tricount is the better tool
If your group shares a bank — or several of you hold a bunq card — Tricount will be smoother than this. Split is smaller and does less.
There is no card that logs your spending for you, and there is no bank behind us doing the transfer. Two people settle however they settle, and one of them taps to record it — Split does not check with a bank, and cannot.
That is the trade. Less product, fewer assumptions about who you bank with.
Try it on the next dinner
Paste a link in the chat. No app store, no accounts, and settling up does not route through anyone's bank.
Start a splitQuestions
- Is Split free forever?
- Yes. Split is free forever, with nothing to upgrade to. Peanut makes it to introduce people to Peanut, which is how Split gets paid for.
- Do I have to download anything?
- No. A room is a web link. Whoever opens it types a name and starts adding expenses — no app store, no account, no email.
- Can we still settle by bank transfer or cash?
- Yes. Split nets the debts down so you make two or three transfers instead of twenty, and records each one however it happened. It does not require anyone to use a particular bank or app.
- How do I get back into a room?
- Open the link again. There is no login to recover and no password to reset, so the link is the key. Keep it pinned in the group chat, where anybody who needs it can find it.