your debit or credit card in seconds
groups and choose your split ratio
your shared card to Apple Pay or Google Pay. Each group member
gets a card
in store or online with any group member's card
and instantly split
Couples, friends and housemates share expenses with Cino.
5M
Bills split
and counting
33
Countries
and growing
3 MIN
To set up
Why thousands of people are choosing Cino over other bill splitting apps
Just tracks who owes who
✅ Actually moves the money automatically
If there's a card, it comes with extra fees
✅ No subscription, no card fees just €0.20 per transaction, capped at €5 a month
You still have to settle up manually via bank transfer
✅ Pay with a shared virtual card — no manual transfers
Relies on everyone remembering to log expenses
✅ Every card payment splits itself automatically
Getting repaid depends on reminders and goodwill
✅ Everyone's charged their share instantly
No shared card; everyone still fronts money individually
✅ A shared virtual card means no one fronts the full bill
Balances can sit unpaid for weeks or years;)
✅ Nothing to settle as everyone pays in real time
Free plans limit how many transactions you can track per day
✅ Track as much as you need; unlimited cash and off-card payments, always free
Charges 1–3% in foreign transaction fees when travelling
✅ You pay like a local wherever you're travelling. Zero fees abroad
Anyone who shares costs, without sharing a bank account.
Cino makes it easy for couples to split bills without merging their finances.
Cino is the easiest way for friends to split bills, trips, and everyday expenses.
Cino is the perfect bill splitting app for housemates splitting rent, groceries, and utilities.
More on splitting bills the easy way.
Cino is a bill splitting app that lets you share a virtual card with friends, family, or housemates. Everyone links their own bank card, and whenever someone pays with the shared Cino card, the total is split automatically and each person's share is charged to their own card instantly. No spreadsheets, no IOUs, no chasing anyone for money.
You set a split ratio for your group — equal shares, a custom percentage, or a fixed amount per person. Whenever anyone pays with the shared Cino card, Cino automatically works out each person's share and charges it straight to their own card. There's nothing to log or settle up later.
You just need to link an existing debit or credit card. Cino isn't a bank account: it connects to the cards you already have, so there's no new account to open and no money sitting in a shared pot.
Cino is pay as you go: €0.20 per transaction, and you'll never pay more than €5 a month. After that, every transaction is free for the rest of the month. No subscription, no monthly fee.
Yes. Cino works across 33 countries, so you can split bills with friends, family, or housemates even if you're not all banked in the same place.
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