Who owes who now reads at a glance on every share card, the spend curve follows the date on the receipt, and picking an emoji is a tap, not a keyboard. Built for iOS 27.
Your mates don't need the app.
Scan the bill, share one link, and everyone claims what they had from their own phone — any phone. Cheque-Mate does the maths and shows who owes who, down to the penny, service charge included.
SNAP. SPLIT. SORTED.
• Point your camera at any receipt — every item lands in the split, priced and ready
• Everyone claims their own items, so nobody plays banker
• Drag your share — whole items, halves, thirds, a splash of the wine
• Fair-share maths keeps totals honest to the exact penny
TRIPS & GROUPS
One folder for the whole trip — the weekend away, the flat share, the padel crew. Drop in receipts as you go, mates claim whenever suits them, and running balances keep score bill by bill.
• See what's still unclaimed at a glance
• Push notifications when someone joins, adds a bill, or claims the last item
• Home Screen widgets: your share, who's racked up what, and the full who-owes-who matrix
• End-of-trip insights: Big Spender, the damage curve, spend by venue
• Shareable summary cards in ten styles — from clean glass to a thermal receipt
NO APP NEEDED FOR YOUR MATES
Send an invite link and anyone joins from their browser — any phone, any laptop, anything with a screen. They claim their items and see exactly what they owe, penny-identical to the app. Only you need the app.
QUICK SPLIT
One-off dinner? No folder needed. Scan, everyone claims, sorted before the coats are on. Save your favourite splits for the regulars.
SETTLE UP IN ONE TAP
Who-Owes-Who collapses the whole trip into the fewest possible payments. Tap Pay and it deep-links straight into PayPal, Monzo, Revolut, Venmo or Cash App with the amount pre-filled — whichever your mate actually uses. Card details never touch Cheque-Mate.
PRIVATE BY DESIGN
No bank logins, no card numbers, no ads. Payments happen in the apps you already trust — Cheque-Mate just does the maths.
FREE TO USE
Scan and split free every month. Cheque-Mate Pro adds unlimited scans, collaborative splits, premium share styles and more — with a one-off Lifetime option if subscriptions aren't your thing.
Next round's on you. The maths is on us.
Ratings & Reviews
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Built for the latest iOS, with a round of polish.
NEW
- Share cards and PDF statements show who pays whom the way the app does:
full names, grouped by payer, with colour-coded lines.
- Bills carry the date and time printed on the receipt, so the spend curve
follows when you ate, not when you scanned. Edit it in the bill editor.
- Picking an emoji for an item is now a tap: a curated grid, plus a smart
guess from the item's name.
IMPROVED
- Claim sheet items scroll under the participant card with a soft blur.
- The claims summary shows a clear venue heading with the receipt date.
- Amounts never wrap on the claims summary card.
FIXED
- Deleting a bill you didn't add in a folder you don't own no longer leaves
an empty bill behind. The app now tells you who can delete it.
- Several under-the-hood improvements.
Version 2.4.4
The developer, Kyle Harris, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Contact Info
Contacts
User Content
Identifiers
Privacy practices may vary based, for example, on the features you use or your age. Learn More
The developer indicated that this app supports the following accessibility features. Learn More
Supported Features
Dark Interface
Sufficient Contrast
Information
Size
59.6 MB
Category
Finance
Compatibility
Requires iOS 26.0 or later.
iPhone Requires iOS 26.0 or later.
Mac Requires macOS 26.0 or later and a Mac with Apple M1 chip or later.