TripCount vs Splid — free AI OCR, multi-currency, E2EE
Last updated: 2026-06-03TripCount vs Splid: free AI receipt OCR, end-to-end encryption, EU-hosted, multi-currency with per-expense FX, one-tap Bizum/Revolut/PayPal settle-up.
| Feature | TripCount | Splid |
|---|---|---|
| AI receipt OCR | Free (with per-user quota) | Not available |
| Multi-currency with live FX | Yes — captured per expense | Single currency |
| End-to-end encryption | Yes — encrypted client-side (AES-GCM) | Not advertised |
| Bizum one-tap settle-up | Yes | No |
| Revolut deep-link settle-up | Yes | No |
| PayPal settle-up | Yes | No (manual) |
| Regional EU languages (Catalan, Basque, Galician, Breton, Welsh…) | Yes — 50 languages incl. regional | No |
| Trip memories (photos + Spotify) | Yes | No |
| EU hosting | Yes — Hetzner | EU (Germany) |
| Pricing model | Free; €3 one-time per group to raise AI Scans + Media limits | Free (mobile-only) |
What it does
Free AI receipt OCR with a per-user quota, automatic debt simplification (algorithm reduces N people to at most N−1 transfers — same as Splitwise/Tricount), multi-currency with live FX captured per expense from open.er-api.com, end-to-end encryption.
Privacy by default
Expenses encrypted client-side with per-trip AES-GCM envelope keys, stored at rest as opaque ciphertext. EU hosting (Hetzner). The integration test suite asserts on every CI run that no plaintext media bytes appear in any stored artifact. Zero-knowledge — where no escrowed key sits on the server — is on the roadmap.
Payouts and currencies
One-tap settle-up via Bizum, Revolut and PayPal — each owed transfer renders as a deep link pre-filled with amount and recipient. Multi-currency trips capture each expense's FX rate at the moment of entry, so the final settlement reflects actual rates, not an averaged guess.
50 languages including regional EU
50 languages shipped today, including 11 regional/minority European languages (Catalan, Basque, Galician, Asturian, Occitan, Breton, Scottish Gaelic, Welsh, Frisian, Faroese, Romansh) — first-class, not Google-Translate; the Valencian and Balearic variants are derived from Catalan and being refined. The locale matrix and translations live in the open-source repo at frontend/src/locales.
Frequently asked questions
- How is TripCount different from Splid?
- Splid is a German "no account needed" mobile-only app — clever onboarding, very limited scope. TripCount is a Progressive Web App that works on any browser, ships free AI receipt OCR, AES-GCM end-to-end encryption, multi-currency with live FX, one-tap Bizum/Revolut/PayPal payouts and 50 languages including Catalan. Splid covers EN and DE only.
- Does Splid have a web app?
- No. Splid is mobile-only — iOS and Android native apps. TripCount is a PWA that runs in any browser, installable from the address bar without the App Store. This matters when one of your travel friends is on a desktop or doesn't want a new app install.
- Does Splid have receipt OCR?
- No. Splid has no AI features at all. Every expense is entered by hand. TripCount's AI OCR is free with a per-group quota and reads line items, vendor and currency from a photo of the receipt in seconds.
- What languages does Splid support?
- Two: English and German. TripCount supports 50 languages including 11 regional European ones as first-class translations (Catalan, Basque, Galician, Asturian, Occitan, Breton, Scottish Gaelic, Welsh, Frisian, Faroese, Romansh). For mixed-language groups TripCount is the only option.
- Can Splid settle up with Bizum or Revolut?
- No. Splid has no integrated payout rails. You settle outside the app — by IBAN, in person, or via Bizum/Revolut manually. TripCount prefills the amount and recipient on a Bizum, Revolut or PayPal deep link — one tap opens the right payment screen.
- Is Splid free?
- Yes, Splid is free with ads in the free tier. TripCount is also free for the core, with no ads ever, and an optional one-time €3 per group raises the AI-scan and media-upload caps from 5 to 500. No subscription either way.
- Splid markets itself as "no account needed" — what about TripCount?
- TripCount needs an account (Google or Apple Sign-In, 5 seconds). The trade-off is that your trips sync across devices and persist after you reinstall, whereas Splid's "no account" model means losing the data if you change phones. For 2-person dinners Splid is fine; for a 5-person 4-day trip account sync is worth the 5 seconds.
- Is Splid end-to-end encrypted?
- Splid does not advertise end-to-end encryption. TripCount encrypts expense data client-side with AES-GCM before it ever reaches the server, and stores it as opaque ciphertext on EU-hosted infrastructure.
