Splitwise VS TextNow

• 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.

• Free Communication
  TextNow offers free texting and calling services using a WiFi connection, which can significantly reduce communication costs for users without traditional cellular plans.
• Versatile Platform
  They provide apps for both iOS and Android, as well as a web-based interface, giving users flexibility in how they send texts and make calls.
• Voicemail and Number Porting
  TextNow includes features like voicemail and the ability to port an existing phone number, making the transition to their service more seamless.
• Ad-Supported Free Version
  Users can opt for a free tier that is ad-supported, providing essential services without any cost.

Possible disadvantages

• Advertisement Intrusion
  The free version comes with advertisements, which can be disruptive and diminish the user experience.
• Caller ID Limitations
  The caller ID may not display correctly or may appear as 'Unknown' when calling, which could be problematic in professional or urgent situations.
• Quality of Calls
  Call quality might not be consistent, especially when relying on a weaker or less stable WiFi connection.
• Privacy Concerns
  As with many free services, there are concerns regarding user data privacy, since the service is ad-supported which may involve data sharing with third-party advertisers.

Splitwise - iPhone App Review! [2020]

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