Guide
How Saldify works
Split shared costs with people you trust, then settle in real money. Each debt becomes a QR code the person who owes scans with their own banking app. The transfer goes bank to bank, and no money flows through Saldify.
The loop
Four steps to even
Nobody keeps a spreadsheet and nobody chases anybody. Saldify tracks the running balance and hands you a way to settle when the trip is over.
- 1
Create a group
Name it for the trip, the flat, or the dinner. The group is ready the moment you name it, and you are the first person in it.
- 2
Share the link
Send one link to everyone. They open it and join the group in a tap, then start adding what they spent. The link is all they need.
- 3
Add expenses as you go
Log what you paid and who it was for. The total splits equally among the people you pick, and Saldify keeps a running balance so nobody does the math at the table.
- 4
The differentiator
Settle by QR, bank to bank
Saldify works out who pays whom in the fewest transfers, then shows a QR for each one. This is the same Get Paid sheet you will use in the app.
- Scanned with the banking app you already use
- Amount and recipient prefilled, so there is nothing to type
- The money moves account to account, never through Saldify
Get paidDoneBob pays Alice€11,50BeneficiaryAlice MeyerIBANNL91 ABNA 0417 1643 00EPC transfer code, real SEPA. Nothing leaves Saldify.
Ready to split something?
Create a group, share the link, and settle when the trip is over.
Create a groupQuestions
Frequently asked
How splitting, settling and your account work in Saldify.
How do people join my group?
Share the group's link, or let them scan its invite QR. They join in a tap and start adding what they spent, and everyone sees the same running balance. That is the default. An owner can make the group gated or private instead.
Can I control who joins?
Owners pick who can join from the group's settings. Public: anyone with the link joins. Gated: newcomers sign in and ask, and an owner approves. Private: nobody new joins. A group can have several owners, all with the same powers.
How does Saldify work out who pays whom?
Say Alice pays €90,00 for dinner for three and Bob pays €30,00 for the taxi. Each person's share comes to €40,00, so Saldify suggests two transfers: Carol pays Alice €40,00, Bob pays Alice €10,00. It always looks for the fewest transfers. When a total does not split into whole cents, the payer absorbs the leftover cent.
Someone made a mistake. Can it be fixed?
Yes. Anyone in the group can edit or remove any expense, and a removed expense is kept on record. Signed in, the Activity feed shows every change. A payment recorded by mistake is removed and recorded again.
How does settling by QR work, and which banking apps can scan it?
When someone owes you, open Get paid and show the QR for that transfer. They scan it in their own banking app, where the amount and recipient are already filled in, then confirm. Showing the QR needs an account, since it carries your IBAN. Signed out, you get the transfer details to copy instead. The code follows the European EPC standard, so most banking apps across the euro area can read it.
Does my money go through Saldify?
No. Every transfer runs straight from one bank account to another. Once it is done, someone in the group records the payment and the balances update.
How do I remind someone to pay?
From Get paid, send a reminder: a message listing what each person owes you, ready to paste in your group chat. With your IBAN saved, each line carries a link that opens that person's payment, one scan from paid.
Is my IBAN stored?
Your IBAN is saved to your account, where it is used to build the QR that others scan to pay you. It is tied to your account, never to a group, and you can remove it from your account page at any time. Anything you type on a payment screen to pay someone else is never saved.
What happens if someone leaves a group?
Their past expenses stay in the group so the history and balances stay correct. Anything they still owe or are owed remains visible until it is settled.
What currency does Saldify use?
Balances are in euro. Amounts are shown in one consistent euro format across the app.
What does an account add?
Your groups and your name follow you to every device. Your IBAN is saved once, so your Payment QR is ready every time you get paid. You can read the group's Activity feed, turn on notifications, and start more groups of your own. Signing in also unlocks a trial group for everyone in it.
What is the free trial?
A group started without signing in is a free trial. It holds 10 expenses at a time: removing one frees its spot, and payments never count. The first person in the group to sign in and pick their name on the People tab unlocks it for everyone, for good.
Can Saldify notify me?
Yes, once you are signed in. Turn notifications on from your account page, per device, to hear when someone adds an expense or records a payment with you. Some phones need Saldify added to the Home Screen first.