Split The Bills vs Taupia

Q: Does Split The Bills' uncapped energy hold up?

Split The Bills says: "Uncapped gas & electricity" Uncapped in price, and bounded by conduct rather than by a meter reading. The household terms from 1 October 2025 never use the words uncapped, unlimited or fair usage. What they carry instead is a Responsible Use Policy at clause 1.4.5, barring disproportionate or excessive use, and clause 10.1.4, letting Split The Bills end the contract where usage is in its reasonable opinion exceptionally high.

Checked 30 August 2026

Split The Bills bundles bills into one payment. Taupia lets you choose energy, broadband and mobile deals, then keeps every household bill and task in one view.

Set up your home free

Free. Give your address for provider quotes in about two minutes, or upload a bill you already have. Then you pay each provider directly and Taupia splits and runs it, with nothing bundled.

Three housemates at a kitchen table going through a paper bill and a laptop together.

What you see: Split The Bills
One package payment and separate Direct Debits
Taupia
Providers, prices and contracts visible separately
Setting up: Split The Bills
It arranges the package bills
Taupia
Compare, choose and set up energy, broadband and mobile
After you move in: Split The Bills
It manages the package bills and payments
Taupia
Keep every home bill, contract, task and change organised

01How Split The Bills works, and what Taupia does

What are you actually buying from Split The Bills?

Split The Bills gives each housemate a Direct Debit for their share of one package. Taupia sits between that and a comparison site, which prices one bill and hands the result back. Taupia is free, compares energy, broadband and mobile, and there are two ways in. Give it your address and provider quotes come back in about two minutes. Or upload the bills you already have: AI agents read the tariff, unit rate, usage, contract end date and any exit fee off them, while other agents watch the market against what you pay now.

Either way you see the full list of what providers are offering. Taupia recommends one from it and shows why it picked that one, having asked a few questions first so the recommendation fits how the house actually lives rather than how the industry words things. The list stays there to check the pick against, and nothing changes until you approve it.

Each bill then splits across the house on percentages totalling 100%, worked out from the real amount. Taupia flags renewal dates and reads TaupiaMail, a Taupia email address you give your providers or forward messages to, where AI agents pull out price changes and contract end dates. Water, council tax and TV Licence stay in view, though Taupia does not compare or switch them.

Cross-check All eight packages, and what each one publishes

Who pays whom

Your money reaches the suppliers through Split The Bills, so whatever it keeps is inside the single figure it quotes. Nothing reaches Taupia from your side. You pay each supplier its own published rate, Taupia splits that across the house and chases the shares, and a provider pays Taupia commission when a switch completes.

02Supplier account setup

Taupia splits every bill automatically, and never moves the money.

A package divides the house for you and quotes one figure for it. Going direct keeps Taupia out of the supplier contract, so the division stays with the household. Here is what Taupia does with that, and where it stops.

Every bill split automatically

Splitwise style, and not forced into an equal share. Each housemate holds a percentage of a bill, the percentages total 100%, and each share is worked out from the real bill amount, so it updates when the bill does.

Taupia does the chasing

So nobody in the house has to be the one who asks. Taupia allocates account-setup tasks, tracks completion, records and flags outstanding shares, and sends reminders while a share is outstanding. Everyone sees the same shares and who has settled. It does not move money: the housemates repay the person the bill is in the name of directly, outside Taupia, and the share reads as settled once it has been repaid.

One housemate is the person the supplier bills

A utility account is usually opened in one person's name. That one named account holder is who the supplier bills, and the obligation to the supplier stays theirs whoever in the house has paid their share. Taupia can send a request to add further people to the account, but the supplier decides. If a share is late, Taupia flags it and sends reminders. It never moves money between housemates, and nothing it records changes what the named holder owes the supplier.

03Split The Bills vs Taupia: pricing, liability and exit terms

What is actually different?

Start with the everyday question: what can you see before you choose, and who stays in control when a bill changes? Open any row for the provider's exact words.

Split The Bills vs Taupia: pricing, liability and exit terms
The question that matters	Split The Bills	Taupia
What the monthly price shows	Split The Bills One package price. Supplier costs and Split The Bills' fee stay combined. Their exact words Split The Bills gives a per-person weekly package price in your Order. Clause 12.8 says that price includes both provider costs and its utility-management service. Its fee is whatever remains after it pays providers, plus provider commissions or service fees. The terms combine those parts into Charges; they do not publish the size of the service fee. Source splitthebills.co.uk Checked 30 August 2026	Taupia The full list, one recommendation and its reasons, then every bill organised. In Taupia's words Taupia compares available energy, broadband and mobile rates before you choose. You see the full list of what providers are offering, then the one Taupia recommends and the reasons it picked that one, after a few questions about how the house lives. Taupia is free, and keeps every household bill organised in one home view. More on this Why Taupia is free
How housemates pay	Split The Bills Each housemate pays their share by monthly Direct Debit. Their exact words Split The Bills says every housemate pays their own share via a monthly Direct Debit. Source splitthebills.co.uk Checked 30 August 2026	Taupia Percentage shares totalling 100%. Taupia tracks, but never collects. In Taupia's words Each housemate holds a percentage of the bill and the percentages total 100%. Supplier accounts default to one named account holder. Taupia can send a request to add further people, but the supplier decides whether to add them. Taupia records and flags outstanding shares, sends reminders and does not move money. It does not change the named holder's supplier obligation. More on this How Taupia works
What is organised	Split The Bills The services you select, managed as one package. Their exact words Split The Bills offers selected energy, broadband, water and TV Licence services. It arranges and administers those selected services, then collects one price per person per week. Source splitthebills.co.uk Checked 30 August 2026	Taupia Compare energy, broadband and mobile; organise water, council tax and TV Licence. In Taupia's words Taupia compares available energy, broadband and mobile rates, so you can see the provider and price before choosing. It keeps water, council tax and TV Licence, contracts, tasks and changes in the same home view. Those last three are organised, not market-compared. More on this Suppliers Taupia supports
When a bill changes	Split The Bills It manages the provider relationship and tells you if its provider changes. Their exact words Split The Bills acts as agent for supply contracts it enters for you. It can receive correspondence, settle bills and manage or make changes to an account. Clause 6.5 says it will tell you each provider's identity and if that changes. Source splitthebills.co.uk Checked 30 August 2026	Taupia Changes are flagged. You decide whether to take action. In Taupia's words Taupia reads provider messages sent to a TaupiaMail address or explicitly forwarded into TaupiaMail, extracts contract information and flags changes, including price rises. Its agent can explain the situation, but you stay in control of every action. More on this How Taupia works
If the house moves or changes	Split The Bills Leaving early: £25 to £30 per utility, per tenant. Their exact words The contract expires on the end date in the Order. If someone leaves, the terms allow Split The Bills to re-apportion the remaining Charges or charge early termination fees. Leaving early after the cooling-off period incurs £25 per utility per tenant a month or more before the start date, or £30 per utility per tenant after that, plus remaining internet charges in stated circumstances. Source splitthebills.co.uk Checked 30 August 2026	Taupia No Taupia exit fee. Supplier and broadband exit charges can still apply. In Taupia's words There is no Taupia package contract to unwind. However, supplier exit fees and any mid-contract broadband charges can still apply. Taupia flags key contract dates and changes it reads, so the household can decide in time.

04Split The Bills ownership, funding and disclosures

What does Split The Bills publish, and what does it not?

How it bills the house
Split The Bills says every housemate pays their own share via a monthly Direct Debit. Its current terms separately say each tenant is responsible for their proportion of the Charges.
Source splitthebills.co.uk Checked 30 August 2026
If a Direct Debit is missed
The terms say a missed Direct Debit of £30 or more may incur a £12 charge for each unpaid tenant. After a reminder goes unanswered, Split The Bills may contact the other people named on the Order.
Source splitthebills.co.uk Checked 30 August 2026
What one Reading house paid direct
Reading Students' Union priced nine unlimited packages in March 2025 for one four-bedroom, four-occupant Reading house covering energy, water and broadband. Reading notes that guidance from Ofgem, the energy regulator, would treat a four-bedroom property as high usage, and on that band the house paid about £281 a month direct against the £408 the packages averaged: a premium of about £127 a month. Reading also ran a medium band, because students are away for long stretches, and there the direct figure is £223. Which one applies depends on how lived-in the house is. It is useful context for a Split The Bills quote, not a price for every household.
Source reading.ac.uk Checked 29 August 2026

5 more from Split The Bills's own site, each with its source

Who pays whom You pay Split The Bills one monthly amount and it pays the underlying suppliers. Clause 12.8 of its household terms defines its service fee as any difference between the Charges it receives from you and the amount it has to pay the Principal Providers, plus any commissions or service fees those providers pay it. The contract names the fee and never sizes it.
Source splitthebills.co.uk Checked 30 August 2026
Who Split The Bills is A trading name of STB2 Ltd, registered in England and Wales, company number 13017311, at 6th Floor, 1 New Era Square, Sheffield. Its key information page states the relationship in its own words: it may act as your agent, including for electricity, gas and the TV Licence, or otherwise as a reseller, and may act as agent of a Principal Provider at the same time.
Source splitthebills.co.uk Checked 29 August 2026
Ending the contract Split The Bills says it automatically closes your account down for the end date you gave it, and asks for 35 days' notice to change or align that end date. The household contract does not auto-renew.
Source splitthebills.co.uk Checked 24 August 2026
Coverage Energy, broadband, water and a TV Licence, picked service by service rather than taken as one fixed bundle.
Source splitthebills.co.uk Checked 24 August 2026
Account model Split The Bills acts as your agent for gas, electricity and the TV Licence: the supply contract is in your name, directly with the supplier it picks. For water and broadband it acts as a reseller. Either way it arranges, administers and pays the suppliers, and you deal only with Split The Bills.
Source splitthebills.co.uk Checked 24 August 2026

05Split The Bills's own claim, checked

Does Split The Bills' uncapped energy hold up?

Claim check

Split The Bills says

“Uncapped gas & electricity”

What else it publishes

Uncapped in price, and bounded by conduct rather than by a meter reading. The household terms from 1 October 2025 never use the words uncapped, unlimited or fair usage. What they carry instead is a Responsible Use Policy at clause 1.4.5, barring disproportionate or excessive use, and clause 10.1.4, letting Split The Bills end the contract where usage is in its reasonable opinion exceptionally high.

Source splitthebills.co.uk Checked 30 August 2026

06Taupia on the Split The Bills package price

Why does uncapped energy cost more than the energy a house uses?

Taupia's argument, not something Split The Bills publishes. Every clause it turns on is one Split The Bills wrote, and this page cites that document above.

Your name goes on the supply contract. Split The Bills says so in its own terms: clause 6.6.1 has you authorise it, as your agent, to contract with the Principal Providers in your name, and clause 6.2 states that where it acts as your agent the contracts for the utilities are between you and each provider. You are the supplier's customer, and whatever cap rules Ofgem applies to that tariff apply to it.

What you never do is pay that tariff. You pay the Charges, and clause 12.8 defines Split The Bills' service fee as any difference between what it collects from you and what it has to pay those providers, plus any commission they pay it. The contract names the fee and never sizes it. No regulator caps the Charges. It is legal.

Clause 12.9 is where the pricing comes from. Where the providers are owed more than your Charges, you are not liable for the difference unless the terms let Split The Bills raise your Charges: otherwise it carries it. Whoever carries that risk prices for the bad case, because a cold January has to be covered by every month's payment. A house with ordinary usage pays for cover it never uses.

07Who Split The Bills suits, and who Taupia suits

When is Split The Bills the better answer?

Choose Split The Bills if

You want each housemate billed for their own share on their own Direct Debit, which a single household energy account cannot do: its household terms make each of you responsible for your own proportion of the charges.
The tenancy ends on a fixed date and the closing admin has to happen: Split The Bills says it closes your account down automatically for the end date you gave it, and asks for 35 days if that date moves.
You want Split The Bills arranging every contract as your agent, with only it to deal with. Taupia carries out the energy, broadband and mobile switches you approve, but it does not act as your agent across every household contract.

Choose Taupia if

You want home admin to stay understandable after setup: Taupia tracks bills, contracts, changes and tasks, while the house sees the suppliers and bills behind each share rather than only one package payment.
You want to know what the service layer costs. Split The Bills' own terms make its fee the gap between what it collects and what it pays the suppliers, so no quote it gives can be separated into supply and service.
The house wants to hold the division itself, especially if its membership changes: each member gets a percentage that totals 100%, and the house edits it when a room empties or fills rather than asking a provider that may re-apportion or raise Charges where the Order no longer matches the house.

08Taupia's own limitations

What do you give up by choosing Taupia?

Taupia does not bundle your payment. It helps you set up directly with each provider, then splits and manages it all with the prices in view, which is why it costs you nothing. Here is what that route does not give you.

Taupia does not bundle your bills into one fixed monthly amount. You pay each provider its own published rate, so a heavy month costs more and a quiet one costs less. It only compares energy, broadband and mobile, and does not compare or switch water, insurance, credit, savings or mortgages.
A provider pays Taupia commission when a switch completes. On energy and gas the rate is the same whichever supplier you pick, so an energy recommendation does not pay Taupia more one way or the other. Broadband and mobile rates vary a little. The full list it recommends from is the suppliers Taupia supports, published on its supported suppliers page.

How Taupia works

09Split The Bills questions answered

What else should you check before signing?

Who is the supply contract actually with?

It splits by service, and that decides who you can talk to. For gas, electricity and the TV Licence, Split The Bills acts as your agent and the supply contract is in your name, directly with the supplier it picks. For water and broadband it acts as a reseller, so the contract there is with Split The Bills. Either way, you deal only with Split The Bills.

What are the alternatives to Split The Bills?

Epic Student Bills, Fused Bills, One Utility Bill and The Bunch are the other packaged providers we compare, and on liability Split The Bills stands apart: Epic, Fused and One Utility Bill all publish joint and several terms. The other shape is going direct, with a supplier account in the name the household chooses and a bill split between housemates. Taupia automates that route but does not fix your monthly cost.

What decides whether a Split The Bills package costs more than going direct?

It depends on services, headcount and usage. In March 2025 Reading Students' Union priced nine unlimited packages for one four-bedroom, four-occupant Reading house. Reading notes that Ofgem guidance would treat a four-bedroom property as high usage, and on that band the house paid about £281 a month direct for energy, water and broadband, against the £408 the packages averaged. Reading's medium band gives £223. One house, not a market price.

What work does the house keep if it goes direct?

Opening the accounts, which Taupia estimates at about thirty minutes for a household. An energy switch then takes up to five working days under Ofgem's standard, with broadband on its own timing. The house also sets the split itself rather than receiving one: each member gets a percentage, the percentages total 100%, and you edit them when a room empties or fills.

10Deciding between Split The Bills and Taupia

So what should you do next?

Split The Bills gives each housemate a separate monthly Direct Debit. Weigh that convenience against a service-fee clause that does not state the fee's size, then compare the same services at available provider rates.

Set up your home free

Free. Give your address for provider quotes in about two minutes, or upload a bill you already have. Then you pay each provider directly and Taupia splits and runs it, with nothing bundled.

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