Appreciate the feedback! You are not required to top up your YSplit balance. You can link a debit/credit card to the app, and when your share is due, you can pay your share through that. The in-app balance is simply a budgeting feature that you can use to set money aside for your future bills.

In terms of your privacy concerns, while we've worked really hard to make our service secure and leverage trusted security storage providers, we know there'll still be some people who are not ok with sharing their bill account credentials. This is why we are very excited to be developing the YSplit card. You can essentially get a card and use it to split & pay the bills without handing over any account details. There'll be some limitations, most notably not seeing all your bill data in one place, but the splitting feature will work the same.