ATM Split

The only bill-splitting app with native Arabic support, offline-first multi-currency tracking, and smart debt simplification. No account needed.

ATM Split is the bill-splitting app built for travelers, roommates, and friends who need a fast, private way to track shared expenses — no account required, no cloud dependency, and with full Arabic support from day one.

Unlike other splitting apps that require sign-ups, cloud accounts, or internet access to function, ATM Split works entirely offline. Your data lives on your device, protected by iOS security, with nothing sent to external servers. Create a group, add members, log expenses, and see who owes what — all in under a minute.

What makes ATM Split different:

• Full Arabic & RTL support — the only bill-splitting app with native Arabic localization, Arabic-Indic numerals, and proper right-to-left layout. Built for the GCC and MENA markets, not just translated.

• Offline-first with multi-currency — track expenses in 56 currencies with live exchange rates when online, and bundled seed rates when offline. Perfect for international trips where Wi-Fi is unreliable.

• Smart debt simplification — a greedy min-cash-flow algorithm reduces the number of payments needed to settle up. A group of 10 people might only need 9 transfers instead of dozens.

• 43 expense categories — from groceries and dining to transportation and utilities, organized into 7 intuitive groups.

• CSV data export — share your expense history as a spreadsheet with a single tap.

• No account, no tracking, no ads — ATM Split respects your privacy. No email required, no social login, no analytics SDK. Just open the app and start splitting.

• Beautiful dark mode and accent colors — customize the look with 10 accent colors and System/Light/Dark themes.

Built with SwiftUI and SwiftData for a native iOS experience.

Built by Approve The Move — genuinely useful apps, always free, no subscriptions.