Chipn
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Chipn next to Tricount and Splitwise
Tricount and Splitwise are good apps, but they do something different from Chipn. They keep track of who paid for what over a longer stretch, on a trip, in a shared house or within a group of friends, and work out at the end who still owes whom. Chipn is built for that one moment at the table: the bill is there, and everyone wants to know what they owe.
In short
- On a trip or in a shared house, with lots of expenses and different payers: Tricount or Splitwise.
- At a restaurant, a bar or a chip shop, with one receipt: Chipn.
- So you can happily use them side by side.
Point by point
| Chipn | Tricount | Splitwise | |
|---|---|---|---|
| Built for | One bill, at the table | A shared kitty over a longer period | A shared kitty over a longer period, with a balance per friend |
| Scan the receipt | Yes, read on your phone | No, you type in expenses yourself | Yes, in the paid version (Pro) |
| Split item by item | Yes, per line of the receipt | No, an expense is split as a whole | Yes, in the paid version (Pro) |
| Settle many expenses and payers | No, one bill and one payer | Yes | Yes |
| Paying back | Everyone scans a QR code with their own banking app | In the app, with a link to bunq | You record who paid back; the money is sent separately |
| Price | Free; later a one-off Pro version for €3.99 | Free | Free with a daily limit; Pro is a subscription |
| Devices | Android and iPhone | Android, iPhone and web | Android, iPhone and web |
Compared on 4 October 2026, based on the makers' own websites. Something out of date? Let us know at [email protected].
When to pick which?
Tricount or Splitwise fit when there are lots of expenses over days or weeks, and someone else pays each time: rent in a shared house, groceries on a ski trip, fuel on a road trip. Everyone adds their expenses, and at the end the app works out who still owes whom.
Chipn fits when there is one bill on the table and one person pays. You scan the receipt, tick off who had what, item by item, and everyone gets a QR code with exactly their share. They scan it with their own banking app, and the money lands in your account. At a restaurant with friends, at the bar, or when someone fetched lunch for the office.
What about apps that read your receipt with AI?
Some apps send a photo of your receipt to an AI model in the cloud to read it. That works, but the photo, with the name of the place, the time and what everyone ate and drank, then leaves your phone. Usually you have to create an account first, too. Chipn reads the receipt on your phone itself, and there is no account.
What Chipn does differently
- Item by item, to the cent. Whoever had a salad and water doesn't pay towards their neighbour's steak. Shared items are split equally among those who had some.
- Pay with your own banking app. The QR code follows the European banking standard (EPC). Belgian banking apps such as KBC, Belfius, ING, BNP Paribas Fortis and Argenta read it; in Germany the same code is known as GiroCode.
- The others don't need the app. Only the person who pays needs Chipn. Those who do have it can tick off their own items at the table, over Bluetooth, iPhone and Android mixed.
- No account. Your name and bank account stay on your own phone, the bank account encrypted.
Try Chipn at the table
Chipn is in a closed beta, on Android and iPhone. Testers get the newest version first.
Become a testerFrequently asked questions
Is Chipn an alternative to Tricount?
Not really, more of a companion. Tricount keeps a shared kitty over time; Chipn splits one bill at the table, item by item. Tricount for the trip, Chipn at the restaurant: they go together just fine.
Can I track a whole trip with Chipn?
No. Chipn doesn't settle a series of expenses with different payers; that is what Tricount and Splitwise are for. You can split each bill on its own, and you see who still has to pay under open bills.
Do my friends need to install Chipn?
No. Only the person who pays the bill needs Chipn. Everyone else scans a QR code with their own banking app.