Google Authenticator VS Splitwise

• Enhanced Security
  Google Authenticator adds an extra layer of security by requiring a second factor of authentication, reducing the risk of unauthorized access even if your password is compromised.
• Offline Access
  The app does not require an internet connection to generate codes, making it reliable in situations where connectivity is a concern.
• Compatibility
  Google Authenticator is compatible with a wide range of services and accounts, providing a versatile solution for multi-factor authentication (MFA).
• Free of Charge
  The application is free to use, offering robust security features without any financial investment.
• Ease of Use
  Setup and usage are straightforward, making it accessible to users without technical expertise.

Possible disadvantages

• Device Dependence
  If you lose your device, gaining access to your accounts can become challenging, particularly if you haven't backed up or used alternative methods.
• No Cloud Sync
  Google Authenticator does not offer a built-in feature for cloud backups, making it difficult to transfer codes to a new device.
• Single Device Limitation
  The app only works on a single device at a time, which can be inconvenient if you manage multiple devices.
• No Biometric Lock
  The app lacks advanced security features such as biometric locks, which are present in some other authenticator apps.
• Limited Recovery Options
  In case of losing access to the app, recovery options rely heavily on the user having access to backup codes, which might not always be accessible.

• User-Friendly Interface
  Splitwise provides an intuitive and easy-to-navigate interface, making it straightforward for users to add expenses, keep track of debts, and settle up.
• Multi-Platform Availability
  Available on the web, iOS, and Android, Splitwise ensures users can access and manage their expenses from almost any device.
• Expense Tracking
  The app allows users to easily log and categorize expenses, which can be particularly useful for group trips, shared households, or any shared financial responsibility.
• Flexible Split Options
  Users can split expenses equally, by percentages, shares, or custom amounts, providing flexibility in how costs are divided among group members.
• Currency Conversion
  Splitwise supports multiple currencies, which is handy for international travel or groups with members from different countries.
• Bill Reminders
  The app sends reminders for outstanding balances, helping users to stay on top of their payments and avoid forgotten debts.
• Integration with Payment Platforms
  Splitwise can integrate with payment platforms like PayPal and Venmo for easy settlement of balances.

Possible disadvantages

• Privacy Concerns
  Since Splitwise involves sharing financial information with others, there could be privacy concerns for those unwilling to share detailed expense data.
• Subscription-Based Features
  Some advanced features, such as expense exporting and additional integrations, require a Splitwise Pro subscription.
• Manual Entry Requirement
  Splitwise requires users to manually enter expenses, which could be time-consuming and prone to errors if not done diligently.
• Limited Automatic Reconciliation
  While Splitwise helps track who owes whom, it does not automatically reconcile or pay off balances, leaving users responsible for manual payment.
• Dependency on Group Honesty
  The accuracy of the expense records relies on the honesty and diligence of all group members, which may not always be reliable.
• Potential for Confusion
  The various options for splitting bills (equally, by shares, etc.) can sometimes lead to confusion or disputes among users over what is fair.

How to Use Google Authenticator

More videos

Splitwise - iPhone App Review! [2020]

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• The Complete WordPress Security Guide for Small Business Owners (2026)

  Download an authenticator app (Google Authenticator, Authy, or Microsoft Authenticator). - Source: dev.to / 11 months ago

• Google Authenticator now supports Google Account synchronization

  Here they have support page https://support.google.com/accounts/answer/1066447. - Source: Hacker News / over 3 years ago

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Tracking Splitwise since Mar 2021.