best subscription sharing app · 2026

The best subscription sharing apps in 2026

There are more subscription splitters than there were two years ago, and they're not the same product underneath. This is an honest comparison — what each one actually does, who it's right for, and where the trade-offs are. Mokam Kartu is one of them; we'll tell you when it's the wrong fit too.

Try Mokam Kartu How it works

Two product categories, often confused

Most "subscription sharing" apps fall into one of two camps. The first camp is the marketplace model — platforms like Spliiit, Sharesub, GoSplit, and Together Price connect subscription owners with people who want a seat, including strangers. They handle the money by charging every member's card on a recurring basis, then forward it to the owner. Their pitch: you don't need to know anyone in advance, the platform finds people for you.

The second camp is the private-group model — apps like Mokam Kartu help groups that already know each other split the cost. The owner pays the provider directly; members pay the owner via Revolut, IBAN, or bank transfer; nothing routes through the platform. Their pitch: you keep payment trust inside your existing relationships and nobody has to hand over a card to a third party.

Then there are general expense splitters like Splitwise — not subscription-specific, but often suggested for subscription splitting. They track who owes whom but don't help you choose a plan or remind members on a monthly subscription cadence.

Quick comparison

The fast scan. Each row is verified May 2026 against each app's homepage.

App	Model	Card from members	Best for
Spliiit	Marketplace	Required	Finding strangers to share family plans
Sharesub	Marketplace	Required	European users who want a payment guarantee
GoSplit	Marketplace	Required	Joining a stranger's plan, low-friction signup
Together Price	Marketplace	Required	Group Subscription Plans specifically
Mokam Kartu	Private group	Never asked for	Splitting with people you already know
Splitwise	Expense tracker	Not required	Tracking shared expenses generally — not subscription-specific

The tools in detail

Spliiit

The largest European marketplace.

⊕ Pros: Largest catalog (100+ services), strong brand recognition in France and Germany, ACPR-regulated as a Lemonway payment agent. Pays out automatically; if a shared subscription stops working, Spliiit issues a refund. Trustpilot reviews trend favourable.
⊖ Cons: Members must link a card or PayPal — there is no path through Spliiit without one. Joining a stranger's plan means trusting that the owner won't change the password or kick you off (Spliiit's refund covers the money, not the inconvenience). Platform fees baked into the "Join price".

Pick Spliiit if: you don't have anyone in your circle to share with, you want automated card-to-card monthly billing, and you're comfortable with a regulated middleman.

kartu vs Spliiit

Sharesub

Marketplace with a refund guarantee.

⊕ Pros: Similar size to Spliiit in Europe, French-regulated, marketing leans on "satisfied or your money back". Catalog of streaming, productivity, and creative tools. Strong UX and trust signals for first-time users.
⊖ Cons: Same marketplace trade-offs as Spliiit: card-on-file required for every member, fees built into the join price, you can be removed from a shared plan if the owner stops sharing. The refund guarantee is reassuring for money but doesn't fix the lost-access inconvenience.

Pick Sharesub if: you're in Europe, want a recognizable brand with refund protection, and don't mind the marketplace model.

GoSplit

Marketplace with a simpler signup.

⊕ Pros: Cleaner onboarding than some larger competitors. Decent catalog of streaming and productivity services. Visible in EU comparison pages alongside Spliiit and Sharesub.
⊖ Cons: Smaller than Spliiit/Sharesub, fewer review signals, same fundamental marketplace dynamics (card required, fees in join price, possible access loss). If something goes wrong, the support footprint is smaller.

Pick GoSplit if: you want a marketplace alternative to the big two and care about cleaner signup more than catalog size.

Together Price

Marketplace specifically for Group Subscription Plans.

⊕ Pros: UK-registered (Together Price Ltd, London), explicit about focusing on Group Subscription Plans — i.e. family/group plans the provider already permits sharing on. Admin/Joiner role naming. Marketing more conservative about TOS than some competitors.
⊖ Cons: Same marketplace constraints: every Joiner links a card; platform takes a cut via the "shared cost" amount. Smaller US footprint than Spliiit/Sharesub in Europe.

Pick Together Price if: you specifically want to fill seats on official Group Subscription Plans and value the explicit family-plan positioning.

kartu vs Together Price

Mokam Kartu

Private-group splitter, no card on file.

⊕ Pros: Nobody links a card to Mokam Kartu — not the owner's friends, not the owner. Owner keeps paying the provider; members pay the owner via Revolut, IBAN, or phone transfer. We're not a payment institution, not in the money flow, not building a profile of anyone's transactions. Free during beta. Built around EUR and European bank flows (SEPA, Revolut, Wise). Up to 6 people per plan.
⊖ Cons: We are not a marketplace. If you don't have people in mind to share with, we can't help — full stop. EUR-only currently. No curated service catalog — you enter the service name yourself. Smaller than Spliiit/Sharesub; you're trading the network effect for trust and privacy.

Pick Mokam Kartu if: you already have your group (partner, family, roommates, co-founders), you don't want a card stored anywhere, and you'd rather we stay out of the money flow.

Splitwise

General expense tracker, often used for subscriptions.

⊕ Pros: Established (over a decade old), enormous user base, works for any shared expense — rent, dinner, vacations. Free tier is genuinely usable. Cross-platform apps.
⊖ Cons: Not built for subscriptions specifically. No automatic monthly cadence per member, no payment-method generation, no provider-specific guidance. You're doing the bookkeeping by hand and remembering when to log each subscription payment.

Pick Splitwise if: subscriptions are a small part of a much wider "who owes whom" picture you're tracking.

A note on account-reseller sites

You'll also see GamsGo, FamilyPro, and similar sites in this category. They're a different beast: rather than helping you split an existing subscription, they sell access to accounts they control — often shared with dozens of strangers, often outside the provider's terms. The price is low (€3–7/month for Netflix Premium, ChatGPT Plus, etc.) but the trade-offs are real: shared profiles, possible account suspension by the provider, and no recourse if the seller disappears. We're listing them for completeness, not as a recommendation.

How to choose

Do you have specific people in mind to split with?: Yes → private-group tool (Mokam Kartu). No → marketplace tool (Spliiit, Sharesub, GoSplit, Together Price).
Are you OK with everyone linking a card to the platform?: Yes → any marketplace tool. No → Mokam Kartu.
Do you want to stay strictly inside official Group Subscription Plans?: Together Price's marketing is most explicit about this. Mokam Kartu defers the decision to you — we split costs for whichever plan you set up.
Are subscriptions just one slice of a wider expense picture?: Splitwise. Then add a subscription-specific tool only if the subscriptions get unwieldy.

Common questions

Why aren't you ranking Mokam Kartu as #1?: Because the answer depends on what you actually need. If you have no one to share with, a marketplace is the right tool — and we'd be the wrong recommendation. Honest ranking helps users; "we're best" doesn't.
Are subscription-sharing apps legal?: It depends on the provider. Most family/group plans (Spotify Family, Apple One, Microsoft 365 Family, Netflix Premium for households, YouTube Premium Family) explicitly allow multiple users — sharing those is legal. Where you get into trouble is sharing single-user plans (ChatGPT Plus, Netflix Standard with friends in other cities) — that's against the provider's terms. None of the apps in this list make that legal call for you.
Do any of these work outside the EU?: Splitwise is global. Together Price and Spliiit have international presence. GoSplit and Sharesub lean European. Mokam Kartu is EUR-area today. If you're in the US or UK looking specifically for the no-card model, Mokam Kartu still works but defaults to EUR.
What's the catch with marketplace fees?: Most marketplaces don't separately list their platform fee — it's built into the "join price". A Netflix Premium seat at €4.50 in a marketplace is the owner's actual cost-per-seat plus the marketplace's margin. With Mokam Kartu there is no platform fee because no money routes through us.
What if Mokam Kartu shuts down?: Your subscriptions are unaffected — they're in your name with the provider, not ours. The history of who paid you stays in your inbox (each request and confirmation is emailed). The worst case is you go back to manual reminders; nothing is locked in our platform.

Start the plan you came here for

If a private-group split with no card on file fits your situation, Mokam Kartu takes under a minute to set up. If it doesn't, pick from the list above — we'll still be here.

Create a plan Why no card on file