Splitwise bills, counted as your share.

What happens when a friend pays you back

A payback settles a debt. It is not income, and it doesn't lower your spending a second time. Say you paid that $120 dinner and split it four ways in Splitwise, so Monio counts $30 as your dining. When three friends each send you $30 on Venmo, the $90 settles what they owed, and your dining stays at $30.

Not every payback has a Splitwise bill behind it. When a friend sends you money on Venmo, Zelle or PayPal for something you paid, Monio looks for the purchase it was for and takes it off that purchase. Paybacks of $100 or more are always yours to confirm.

When someone else paid the bill

If a friend paid and added the bill to Splitwise, nothing left your bank, but you still spent your share. Monio counts it as spending on the bill's date, in a matching category. If a roommate pays $200 for groceries split evenly, $100 counts as your groceries that month.

When you pay your roommate back, that payment settles what you owe and doesn't count as spending again. If you record the settle-up in Splitwise, Monio matches your payment to it. If you don't, the payment settles your oldest bills with that friend first.

What you control

Each bill Monio asks about shows the total, your share and what's owed back to you, with Monio's guess for the charge that paid it. Choose "Yes, that's it" to link them, or "No, find the right charge" to search your charges by place or amount, as far back as a year before the bill.

Paid with cash or a card you haven't connected? Choose "It's not on my accounts". Monio keeps what friends owe as money owed to you, and your spending still counts only your share.

A linked bill shows whether Monio linked it on its own or you confirmed it, and "Not this charge" moves it. If you change the category of a bill a friend paid, Monio keeps your choice.

Privacy and access

You sign in on Splitwise's own page, so Monio never sees your Splitwise password. Monio only reads your groups and bills. It never adds, changes or deletes anything in Splitwise, and you can disconnect it in Integrations at any time.

Monio AI is on by default, and you can turn it off in Settings under Privacy and AI. When it is on, it can help check a bill that Monio's own rules can't settle, with numbers and email addresses removed from the bill's text first.

In a household, Monio suggests Totals only for the bills friends paid for you: they count in household totals, but your partner doesn't see them one by one. You choose.