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Spliz vs Tricount
Compare the ways to split, the costs and what happens when it’s time to pay. Spliz offers optional group payment in USDC on Base.
The money actually moves
Spliz actually moves the money: once the required approvals and funds are in place, the whole group's balance settles on-chain in USDC, where a tracker only records who owes what.
| Tricount | Spliz | |
|---|---|---|
| Moves the money for you | No. It records the total; the transfer is on you. | Yes. The balance clears on-chain once the required approvals and funds are in place. |
| Clears the whole group in one transaction | No. Manual transfers, one person at a time. | Yes. Every balance clears together, all at once, or none does. |
| Pay back across borders | No. On you: bank transfer, IBAN, or the right local app. | Yes. Built in. Settle with anyone, in any country, in seconds. No IBAN, no bank transfer. |
Safe with your money
Spliz is non-custodial: your funds stay in your wallet until settlement, the contracts are public and every settlement is readable on-chain.
| Tricount | Spliz | |
|---|---|---|
| Settles without ever holding your money | No. They never move money, so nothing is settled and nothing is held. | Yes. Funds stay in your wallet until settlement, then move straight to the others. Spliz never holds them. |
| You can check it really happened | No. No on-chain settlement, so nothing to check. | Yes. The contracts are public and every settlement is readable on-chain. |
| Who is behind it | Tricount has been part of bunq, a bank based in the Netherlands, since 2022. | An independent team. Non-custodial: Spliz never holds your money. |
Settled in dollars, priced honestly
Spliz settles in USDC on Base in seconds and is free to track; the only fee is 0.1% (minimum $0.10) at settlement, shown before you sign.
| Tricount | Spliz | |
|---|---|---|
| Where the balance settles | Off-platform, whatever you arrange. | USDC on Base, a dollar stablecoin, in seconds. |
| What it costs | Free to track; the paying-back is on you. | Also free to track. The 0.1% is only at settlement, $0.10 minimum, shown before you sign. |
All the splitting you already know
Spliz does the everyday splitting you already know: equal, shares or exact, one balance per person, 40+ display currencies, and guest mode.
| Tricount | Spliz | |
|---|---|---|
| Split equally, by shares or exact | Yes. all three. | Yes. All three, plus a draw mode. |
| One running balance per person | Yes. a clean ledger. | Yes. the net balance per person. |
| Your own currency | Yes. Multi-currency display. | Yes. 40+ currencies for display. |
| Groups for trips, flats, events | Yes. Yes. | Yes. and guests can join with no account. |
| Start without an account | Yes. Tricount can be used without creating an account. | Yes. Guests join by link, no account needed to split. |
| Works offline | Yes. You can add expenses offline; it syncs later. | No. Needs a connection: the group syncs live and the settlement is on-chain. |
The honest verdict
Spliz vs Tricount in one line: Tricount tracks who owes what, and you pay each other back yourselves; Spliz tracks the same, with no account needed to start, and then settles the balance for the whole group in one transaction, in USDC on Base, non-custodial. The feature table shows what is shared and what differs. Tracking expenses has no fee. In-app payment is optional and requires the group’s approvals and funds; the fee is shown before signing.
When to stay on Tricount
- Your group pays each other back in cash or by bank transfer, and that works fine for you.
- Nobody in the group holds USDC, and nobody wants to.
- You add expenses with no signal, on a hike or a flight, and need the app to work offline.
- Everyone is already on Tricount and nobody wants to settle inside the app.
In those cases, keep Tricount. The day the group wants the balance to actually clear, in one transaction, Spliz is here.
Less to work out. More to enjoy.
Common questions
Is Spliz a free Tricount alternative?
Spliz is free to track and split, like Tricount. The only fee is 0.1% (minimum $0.10) at settlement, and it is shown in full before you sign.
What is the difference between Spliz and Tricount?
Tricount records what everyone owes and you pay each other back yourselves. Spliz records the same and then settles the whole group's balance in one transaction, in USDC on Base, without ever holding your funds. Like Tricount, you can join a group as a guest, with no account.
Does Tricount move the money for you?
No. Tricount records who owes what; you still pay each other back yourselves. Spliz settles the balance for the whole group, on-chain in USDC.
How does Spliz settle a group expense?
Once the required approvals and funds are in place, every balance clears together in one transaction, in USDC on Base, all at once or not at all.
Do I need crypto or an account to use Spliz?
You can join a group as a guest with no account, and see amounts in your own currency. The funds stay in your own wallet until settlement, and network fees are covered.
Is Spliz safe, and can it access my money?
No, Spliz cannot access or hold your money. It is non-custodial: your funds stay in your wallet until settlement, then clear directly to each person. The contracts are public and every settlement is readable on-chain, so you can verify it yourself.
Does Spliz work without an account, like Tricount?
Yes. You can start and join a group as a guest with no account, just like Tricount. The difference is that Spliz also settles the balance for you in USDC, instead of leaving you a bank transfer to make.