A Tricount alternative without the bank account

The main Tricount alternatives right now are HippoSplit, Splitwise, Settle Up, and Splid. Here is how they compare, honestly.

Tricount is completely free with no paid tier at all, its native iOS and Android apps are mature, the bunq card can auto-add card purchases to a tricount, and it has a huge installed base across Europe, so the person you are splitting with probably already knows it. bunq is a regulated EU bank, which some users see as reassuring.

If none of the bunq changes bother you, Tricount remains a good tool. The case for switching is specific: you want expense splitting that is not attached to a bank signup, you want your data exportable without emailing support, or you want receipts and chat messages turned into expenses automatically.

Tricount and most alternatives are form-first: you open the app, tap add, and fill in the fields. HippoSplit is a group chat. Type "lunch 24.50 split with Anna and Ben" and the expense is logged, categorized, and split before anyone opens a form. Or just post a photo of the receipt straight into the chat, the same as sending a picture to friends, and HippoSplit reads it and logs the expense: the easiest way to keep track as you spend.

Everyone sees expenses appear in the conversation in real time, so there is no "did you add the taxi?" follow-up.

Tricount never had receipt scanning. HippoSplit reads receipt photos, screenshots, and batches of photos, pulls out line items, totals, and currencies, and can detect multiple expenses in one batch. Assign items to people for an accurate, itemized split.

Everything the AI fills in stays editable, and all balances are computed by HippoSplit's backend, not guessed by the AI.

Share a group with friends and they can open it without creating an account, no bunq signup, no phone number. Guest access is read-only, they see expenses and balances right away, and only need to sign in (free) if they want to add or edit something.

Start a group in HippoSplit and share the link. Most groups settle their old Tricount balances once, then log new expenses in HippoSplit from that point on. If you want your Tricount history, request a CSV export from bunq support ([email protected]) before you stop using it, since in-app export is no longer available.

Your group's financial data is encrypted and not used to serve ads or sold to third parties. You can export or delete your data at any time. Your expense data lives in an expense app, not inside a banking ecosystem.