Expense Splitting That Works Across Currencies and Borders
Track shared costs in any currency and settle in your own. Split Circle is built for the way expats actually live and pay.
Sound familiar?
- Most expense apps default to one currency, making multi-currency groups clunky at best and wrong at worst.
- Your group spans countries and payment systems: some use bank transfer, others use local payment apps, and none of them talk to each other.
- Exchange rate transparency is poor in most apps. You never know if you're being converted at mid-market or some padded rate.
- Moving between countries every few years means rebuilding your financial routine from scratch each time.
How Split Circle helps
Multi-Currency Tracking
Log each expense in the currency it was paid. Split Circle converts to the group's base currency using the current exchange rate. Transparent, no hidden markup.
Settle Your Way
Pay each other however your group prefers. UPI, bank transfer, Wise, PayPal, or any local method. Split Circle tracks who paid; you settle the way that works for everyone.
Full Offline Mode
Works without internet. Critical when you're traveling between countries, in an airport, or somewhere with unpredictable connectivity.
No Account Required for Group Members
Friends back home or colleagues in a different country can see the shared group without downloading the app or creating an account.
What users say
“I live in Singapore but half my friend group is still in India. We use Split Circle when we travel together. They pay via UPI, I pay in SGD, and the app handles the conversion without any drama.”
Karthik R., Software engineer, Singapore (from Chennai)
“I moved from Mumbai to London three years ago. Split Circle is one of the few apps that works for my mixed group: some on UPI, some on bank transfer, and some on PayPal. It tracks everything and we settle up monthly.”
Preethi V., Finance analyst, London
“Four of us moved from the Netherlands to Singapore for work. Split Circle is the only app we found that handles SGD, EUR, and MYR in the same group without hassle.”
Lars V., Software engineer, Singapore (from Amsterdam)
Common questions
Keep your circle. Split the bills.
Free on iOS and Android. No daily limits, no ads. Your friends don't need an account.