Fees & Service Options
Divy It Up is a financial technology platform. All recurring or per-use charges we describe are tied to account services, settlement activity, and related financial operations—not to purchasing access to the app or digital features.
Individual Plans
Per-member options for people coordinating shared expenses across groups—from a free baseline to the full Enhanced settlement experience.
Standard
$0
No recurring account service fee for core coordination
- Up to 3 group members
- Unlimited expenses
- Basic settlement cycle workflow
- Email notifications
- Mobile app access
- Same functionality as Splitwise Free Account
Individual User
$2 per month
Account service fee per member per month, for expanded settlement workflow and integrated banking.
- Unlimited Group Members
- Unlimited Number of Groups
- Native Settlement Experience (app and website)
- In-App Integrated Banking
- Recurring Expense Automation
- Intuitive Push Notifications
- Billed Monthly; clear reporting of fees and charges
Group Subscription
Prefer to sponsor the whole group instead of billing each member? Pay a single group-level fee and every member gets the full Enhanced experience—no individual charges.
Group Plan
$5 / month
Flat account service fee per group, billed monthly to the group admin.
+ $3 per user onboarding fee
One-time, per member. Billed alongside the group's first monthly billing cycle.
Individual members in a sponsored group are not charged. In exchange, each included member accesses one (1) sponsored group under this plan.
- Entire group covered — individual members are not billed
- All Enhanced settlement features for every member
- Unlimited members in the sponsored group
- Native Settlement Experience (app and website)
- In-App Integrated Banking for each member
- Billed monthly to the group admin; clear reporting of fees and charges
- Separate group wallet attached to group admin's account
- Full transparency and accountability for group expenses
Disclosure: Divy It Up is a financial technology platform, not a bank. Funds for the transactional wallet are held at a partner bank in one or more pooled For Benefit Of (FBO) accounts and are used solely to facilitate transactions and related account services. Divy It Up does not offer savings accounts; balances are not interest-bearing and are not intended for long-term storage. Banking services are provided by a partner bank, subject to its terms.