How does Spline split bills work?

Spline lets you create split events, add friends, and divide expenses equally or with custom amounts. Friends receive notifications and can pay their share directly through secure bank connections.

Is Spline free to use?

Yes, Spline is free to download and use. There are no subscription fees. Fast withdrawals have a small 2% fee included, while normal transfers are completely free.

How secure is Spline for payments?

Spline uses bank-level security with encrypted transactions. Payments are processed through licensed New Zealand financial partners, ensuring your financial data is always protected.

Can I use Spline in New Zealand?

Yes! Spline is designed specifically for New Zealanders with secure NZ bank connections for seamless local payments in NZD.

How do I add friends on Spline?

You can add friends by entering their unique Spline ID (a 5-10 digit number). Once they accept your friend request, you can include them in bill splits.

Split Bills.
Stay Friends.

The easiest way to split expenses with friends in New Zealand. Track who owes what, send reminders, and settle up instantly with your connected bank account.

Want details? See how Spline works.

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Everything You Need to Split Bills

Spline handles the awkward money stuff so you can focus on making memories with friends.

Friend Groups

Add friends by their unique ID and create groups for flatmates, trips, or regular dinner buddies.

Flexible Splitting

Split equally or set custom amounts. Upload receipt photos and add notes for each expense.

Instant Payments

Pay your share securely with a single tap through our licensed payment partners.

Smart Reminders

Automated daily reminders help friends remember to pay, so you don't have to chase them.

Digital Wallet

Keep funds in your Spline wallet for quick payments or withdraw anytime to your bank.

Clear History

See all past splits, payments, and balances at a glance. Never lose track again.

How Spline Works

Getting started is easy. Split your first bill in minutes.

Sign Up

Create your account with your phone number and set up your profile.

Add Friends

Find friends using their unique Spline ID and connect instantly.

Create a Split

Enter the expense details, choose how to divide it, and invite participants.

Get Paid

Friends pay their share to your wallet. Withdraw to your bank anytime.

Bank-Level Security

Your money and data are protected by the same security standards used by banks.

Encrypted Transactions

All data is encrypted in transit and at rest using industry-standard protocols.

Secure Authentication

Phone verification and secure password requirements protect your account.

Licensed Partners

Payments are processed through licensed NZ financial partners with full regulatory compliance.

Ready to Simplify Bill Splitting?

Join thousands of Kiwis who've made shared expenses stress-free. Download Spline today.

Have Questions?

We're here to help. Reach out to our support team anytime.

admin@spline.nz

Split Bills. Stay Friends.