How to split a bill with friends on iPhone

Complete guide with multiple methods and troubleshooting

7-10 min read
Expert Verified
Last Updated: August 2025

Quick Answer

To split a bill with friends on an iPhone, you can use various methods including Apple Pay, third-party apps like Venmo or Splitwise, or even manual calculations using Notes. Each method has its own advantages and is suited for different scenarios.

Easy⏱ 7-10 min read

Prerequisites & Requirements

Before you start splitting bills on your iPhone, ensure you have the following:
  • •An iPhone running iOS 14 or later for the latest features.
  • •Apple ID set up for Apple Pay or third-party payment apps.
  • •Internet connection (Wi-Fi or cellular data).
  • •Access to your friends' contact information if using Apple Pay or other apps.

Method 1: Using Apple Pay

Apple Pay is a convenient way to split bills directly through Messages or Wallet. Use this method when your friends also have Apple Pay set up.
  • •Step 1: Open the Messages app and select the conversation with the friend you want to split the bill with.
  • •Step 2: Tap the App Store icon next to the text field, then select the Apple Pay icon.
  • •Step 3: Enter the amount to split and tap 'Request'.
  • •Step 4: Confirm the transaction by tapping 'Send'. You should see a confirmation message in the chat.
  • •Step 5: To verify, check your Wallet app for the transaction history.

For iOS 15 and later

In iOS 15, Apple Pay has improved integration with Messages.
  • •Step 1: Follow the same steps as above.
  • •Step 2: You can now add a note or emoji to personalize your request.

For iOS 14

In iOS 14, the steps are similar but with fewer features.
  • •Step 1: Follow the same steps as above.
  • •Step 2: You may not have the option to add notes or emojis.

Method 2: Using Third-Party Apps (Venmo, Splitwise)

Third-party apps are ideal for managing multiple transactions or uneven splits. Use this method if you frequently split bills with the same group of friends.
  • •Step 1: Download and install Venmo or Splitwise from the App Store.
  • •Step 2: Create an account and link your bank account or card.
  • •Step 3: In Venmo, tap 'Pay or Request', enter the amount, and select your friends from your contacts.
  • •Step 4: In Splitwise, create a new group, add expenses, and specify how to split them (equally or unevenly).
  • •Step 5: Confirm the transactions and notify your friends.

Troubleshooting Common Issues

If you encounter problems while splitting bills, here are some common issues and solutions:
  • •Error: 'Payment Failed' - Solution: Ensure your Apple Pay is set up correctly and that you have sufficient funds.
  • •Issue: Friends not receiving requests - Fix: Confirm that they have Apple Pay enabled and are using the correct phone number.
  • •Problem: App crashes or freezes - Workaround: Restart the app or your iPhone, and ensure you have the latest version installed.

Advanced Tips & Shortcuts

Enhance your bill-splitting experience with these tips:
  • •Keyboard shortcut: Use Siri to send money by saying, 'Hey Siri, send $10 to [Friend's Name] on Apple Pay'.
  • •Hidden feature: Use the 'Split' function in Splitwise to automatically calculate shares based on different expenses.
  • •Tip: Set reminders for recurring expenses in Splitwise to avoid forgetting future payments.

Common Mistakes to Avoid

Avoid these common pitfalls:

Expert Tips

Using dedicated apps for bill splitting not only simplifies the process but also keeps a clear record of transactions.