Connect securely to
any UK or EU bank
account or debit card
Create a virtual payment card for every group in your life and decide how you want to split the bill
Add your virtual group card to Google Pay or Apple Pay. Each group member gets a card.
Pay with any group member's card, and everyone's share will come straight out of their own bank account.
50/50 isn't always fair. Change your split ratio to suit you.
Get eyes on every transaction,
including who paid and how much
Set a maximum for every
group card to minimise risk.
A shared virtual card works just like a regular card, with two caveats. First, as the name suggests, it’s totally virtual. Meaning it is exclusively available through digital wallets like Apple and Google Pay, or for online payments. Second, it’s connected to more than bank account (or person!). Don’t fret, the card can only be shared with people within the private group, who actively connects their bank account – meaning all transactions remain private and safe.
Once a virtual card is created, group members choose their auto-split ratio (what fraction of each transaction is paid by each member). From there, each transaction is auto-split amongst the group members per the ratio they agreed on.
The amount that each member on the card chooses to pay for each transaction. So if you have a 50/50 ratio split with your friend over lunch, you will each be charged 50% of the bill. And if you have a 40/60 ratio split with your roommate, you will be charged 40% of the transaction, and they will be charged 60% of the transaction.
With Cino, each member decides what the ratio split is and can change it anytime.
No – a Cino virtual card is connected to your existing bank account. That’s the beauty of it! When you use your Cino virtual card to pay for a bill, it auto-splits the total payment and only withdraws a fraction of the total bill based on your chosen ratio split.
Free forever... if you amongst the early users at least :)
No – that’s super private stuff that we keep under locks. No one can see the balance on your account - not even us. Purchases from your bank account can only be made within the ratio splits and limits you set.
Yes – you can set limits for each transaction or decide on a monthly limit.
We’re already working on setting limits for the type of transactions, coming soon.
Anywhere that accepts Visa or Mastercard cards – a delicious Italian restaurant, a last minute flight to a beach or your monthly WiFi bill.
Cino app is available for residents of United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway and Iceland at this moment.
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