Mokam Kartu vs Spliiit
Both apps help you share the cost of streaming and software subscriptions. They take very different approaches. This page is the honest version — when each one wins, and when the other does.
Pick Spliiit if
you don't have friends or family to share with and want a marketplace to find strangers, you want fully automated card-to-card reimbursement, and you're comfortable with sharing access in ways that may bend the provider's terms.
Pick Mokam Kartu if
you already know the people you want to split with, you (or they) don't want a card stored anywhere, and you're sharing within a household or close group in line with the provider's terms.
At a glance
What the two tools actually do, line by line. Last verified May 2026 against spliiit.com/en.
| Feature | Mokam Kartu | Spliiit |
|---|---|---|
| Who you share with | People you invite — friends, family, roommates. | Marketplace — you can join a stranger's subscription or list yours for strangers to join. |
| Payment model | Owner pays the provider. Members pay the owner directly via Revolut, IBAN, or phone transfer. | Members link a card or PayPal. Spliiit charges each member monthly and forwards funds to the owner. |
| What is stored from members | Nothing — we don't ask for a card. | Tokenised card or PayPal on file for every member. |
| Regulatory status | Not a payment institution. We don't move money. | Regulated payment service agent of Lemonway (ACPR-approved). |
| Number of services | Any recurring plan in EUR. ~20+ commonly split. | 100+ pre-listed services. |
| Group size | Up to 6 people (owner + 5). | Depends on the provider's family-plan limit. |
| Currency | EUR. | Multi-currency (EUR primary). |
| Cost to use | Free during beta. No platform fee on transfers. | Platform fee built into each "Join price" (not separately disclosed). |
| Late or missing payment | Owner sees pending, gets a reminder, decides what to do. | Money-back guarantee covers loss of access; platform handles refund. |
The fundamental difference: marketplace vs private group
Spliiit is a marketplace. Their pitch — "the world's largest co-subscription community" — is built on connecting subscription owners with strangers who want a seat. That's a real product and it works for the use case it was built for: you have an empty seat on a family plan and you don't know anyone to fill it, so Spliiit finds someone for you. The cost of that flexibility is the platform sitting between everyone, holding payment cards, and operating under payment-institution rules.
Mokam Kartu is a private-group tool. We assume you already know the people you're splitting with — your partner, your parents, your roommates, three friends from college. Nothing routes through us; we just track who owes what each month and email the reminders. If you don't have a group lined up, Mokam Kartu won't find one for you. That's the actual trade-off.
Card on file vs no card
On Spliiit, every co-subscriber links a card or PayPal so the platform can run an automated monthly charge. On Mokam Kartu, nobody links a card — not the owner's friends, not the owner. The owner already pays the provider directly, the way they always have. Members pay the owner via the method the owner has set: a Revolut deep link, an IBAN with a unique reference number, or a phone-number prompt for any banking app. This matters most when your group includes people who don't want their card stored anywhere — kids, parents, friends who hit their card-on-file limit, EU users who prefer SEPA transfers.
More on the no-card modelWhen Spliiit is the better choice
We're not going to pretend Spliiit doesn't have real advantages. It's the right tool when: you want to find strangers to fill empty seats on your plan; you want fully automated monthly reimbursement and don't want to track who paid; you care about platform-backed payment protection (Lemonway / ACPR oversight); or you're comfortable with the wider "share with anyone" framing some providers' terms don't explicitly allow.
When Mokam Kartu is the better choice
Mokam Kartu fits when: you already know who you want to split with and you don't need a marketplace; the people you're inviting won't or can't link a card to a third-party platform; you want to stay aligned with your providers' household-only sharing rules (Spotify Family, Apple One, Microsoft 365 Family, YouTube Premium Family all explicitly allow this); or you don't want a payment institution in the middle of a transaction between you and your housemate.
Switching from Spliiit
There's no migration step. Spliiit doesn't lock anything: cancel your shared subscription on Spliiit at the end of the current billing period, then create the same plan in Mokam Kartu with the people you already know. Invite them by email, set the per-member monthly date, and add your payment method once. The next month's request goes out automatically on each member's date.
Common questions
- Is Mokam Kartu free?
- Yes — free during beta. There is no platform fee on transfers because we don't process them. You and the people you split with use your existing banks, Revolut, or Wise.
- Can I share with strangers on Mokam Kartu?
- No, and that's intentional. Mokam Kartu is for groups that already know each other. If a marketplace is what you need, Spliiit is built for that.
- Does Mokam Kartu support 100+ services like Spliiit?
- Mokam Kartu works with any recurring subscription paid in EUR — there is no pre-set catalogue to be "on". You enter the service name yourself, set the total, and split. The headline services people split most often are Netflix, Spotify, YouTube Premium, ChatGPT Plus, Apple One, and Microsoft 365.
- Is splitting subscriptions legal?
- It depends on the provider. Most family plans (Spotify Family, Apple One, Microsoft 365 Family, YouTube Premium Family) explicitly allow household sharing. Netflix tightened its household definition in 2023. Mokam Kartu doesn't decide for you — you set up the plan with the people you're already authorised to share with.
- What if someone in my group is late?
- The request stays pending. Mokam Kartu sends them a reminder the next day. You decide when to mark the payment received; nothing pulls funds automatically. Compare to Spliiit, where the platform attempts the card charge and triggers a refund process if access fails.
Set up a private plan in under a minute
Invite the people you already share with. No card required to join.