Couples want a fair, low-effort way to manage shared expenses without IOUs, joint accounts or chasing transfers. Traditional methods — 50/50, income-based splits, joint accounts or taking turns — all have drawbacks and create admin. The simplest, fairest solution in 2025 is splitting payments automatically as you pay. With Cino, couples create shared virtual cards for groceries, rent, bills or holidays, and each person’s share is taken instantly from their own bank card. It’s transparent, independent and completely hassle-free — the easiest way for couples to split finances today.

Cino makes splitting Christmas shopping effortless by letting you create a virtual shared card dedicated to Christmas gifts. Every time the card is used, each person’s share is taken automatically from their own bank account — no transfers, no chasing, no awkward “did you send me your part?” moments. It’s ideal for couples buying gifts for their kids, siblings shopping for parents, and families or friends organising group presents or Christmas dinners. You can create different shared cards for different groups or purposes, keeping all seasonal spending neatly organised. In short: Do your Christmas shop once — Cino handles the split instantly and fairly.

Splitting the bill is usually slow, awkward and full of admin — from one person fronting the full cost to chasing people to pay you back later. Traditional split-the-bill apps like Splitwise, Tricount, Monzo and Revolut help track expenses, but they still rely on manual entry and settling up afterwards. Cino is the quickest way to split the bill because it splits payments automatically at the moment you pay. You create a shared card, everyone links their own bank card, and when you tap to pay, Cino instantly charges each person their share. No one fronts the cost, no one is ever owed money, and there’s zero admin, debt or awkward conversations. It works anywhere, with any card machine, and is perfect for couples, friends, housemates and group trips. Cino makes fairness effortless — every tap, every time.

Cino ist eine kostenlose und moderne Alternative zu Splitwise, die Rechnungen automatisch beim Bezahlen aufteilt. Während Splitwise inzwischen Limits, Paywalls und Werbung eingeführt hat, funktioniert Cino ohne manuelles Eintragen, ohne Vorstrecken und ohne spätere Ausgleichszahlungen. Jede Gruppe erhält eine virtuelle Mastercard, mit der jeder Anteil direkt von den persönlichen Karten abgebucht wird. Zusätzlich bietet Cino Funktionen wie QuickSplit, Roulette und Maps. Die App ist sicher, in ganz Europa verfügbar und wird von Nutzern mit 4,5 Sternen bewertet. Wer eine faire, sofortige und kostenlose Splitwise-Alternative sucht, sollte Cino ausprobieren.

This article helps you decide whether Splitwise or Tricount is the better app for sharing expenses. It walks you through how both apps work in real life — from group trips to splitting bills at home. You’ll see the clear differences in features, pricing, limits and overall vibe. Splitwise gives you powerful tools, but its free version now feels restricted. Tricount keeps things simple, free and fuss-free if you just want easy group splitting. You’ll read what real users love and complain about, so you know what to expect. The guide breaks down which app suits different types of people and situations. By the end, you’ll know exactly which app fits how you and your friends actually share expenses.

PayPal lets you split payments, but only manually after you’ve paid. You can request money from friends, share a PayPal.me link, or use group requests, but PayPal doesn’t split bills automatically or let everyone pay their share at checkout. If you want true split payment functionality, Cino is the smarter alternative. Cino connects everyone’s cards and automatically deducts each person’s share the moment you pay — no maths, no chasing, no admin. It’s the easiest way to split bills for dinners, trips, housemates or couples.

Cino is a modern split payment app that automatically divides the cost of any payment at the moment you pay, so no one has to front money, add expenses manually, or chase friends for repayments. Unlike traditional apps, Cino uses a shared virtual Mastercard linked to everyone’s personal cards, ensuring each person instantly pays their fair share. With features like QuickSplit, Maps, zero currency fees, and flexible split ratios, Cino is the easiest and most accurate way to share expenses for couples, friends, housemates, and travel groups. It’s safe, simple, and completely free—making it the best split payment app available today.

Cino is the easiest app to share expenses between friends because it automatically splits payments at the moment you pay. Instead of one person fronting the full bill and chasing transfers later, Cino uses a shared virtual card linked to everyone’s own debit or credit card. When you tap to pay, each friend is charged their share instantly. You can split evenly, by percentage, by amount, or with custom ratios—no calculators or mental maths needed. Cino removes IOUs, eliminates awkward reminders, and tracks all shared expenses in one place, making it the smartest and simplest way for friends to share costs.

Most people use an expense sharing app like Splitwise or Tricount, but they still require manual logging, fronting the full bill and settling up later. Cino is the first expense sharing app that splits payments automatically at the point of purchase. A shared virtual card links to everyone’s personal bank cards, and each person’s share is taken instantly — no IOUs, no admin. Cino works with any bank, supports custom split ratios, charges 0% FX fees abroad and tracks every shared cost automatically. For couples, friends, housemates and group trips, it’s the expense sharing app that finally makes splitting bills effortless.

The Barclays joint account is a traditional way for couples to manage shared expenses under one roof. It offers the reassurance of a major UK bank, FSCS protection up to £170,000, and access to physical branches across the country. However, it’s less flexible than modern options — the setup process is slower, the app feels outdated, and foreign transactions come with 2.99% FX fees. It also only supports a 50/50 split, even if one partner earns more. That’s why many couples are turning to Cino, a smarter alternative that connects existing bank cards to a shared card that splits payments automatically, with no fees abroad and full control over how bills are divided.

The Santander joint account lets couples manage shared expenses like rent and groceries from one shared pot. It’s backed by a trusted UK bank with physical branches and full FSCS protection up to £170,000 for joint accounts. However, the setup isn’t instant, the app experience is basic, and spending abroad incurs around 2.99% in FX fees. It also lacks flexibility — everything is split 50/50, with no custom ratios or individual bank options. That’s where Cino comes in. Instead of opening a new account, couples can connect their existing bank cards (from any bank) to a shared Cino card that automatically splits payments — by percentage or exact amount — with zero foreign fees.

A Nationwide joint account lets couples manage shared expenses together under one trusted, FSCS-protected account. It’s backed by one of the UK’s biggest building societies, offers in-branch service, and protects funds up to £170,000 for joint holders. However, setup isn’t instant, the app feels dated compared to digital banks, and both partners share equal ownership and liability — even if contributions differ. That’s why many couples are turning to Cino, a modern joint account alternative that links each partner’s personal bank cards to one shared card that automatically splits payments — by percentage or exact amount. With no foreign fees, instant setup, and no need to open a new account, Cino makes sharing expenses simpler, fairer, and faster.

The Revolut joint account lets two users share spending, track expenses, and spend abroad with no FX fees up to a limit. It’s great for couples who both already use Revolut and want shared budgeting tools in one app. However, both people must have Revolut accounts, funds are equally owned, and fees can apply once you exceed spending thresholds. For a simpler, more flexible option, Cino is the best joint account alternative. You and your partner can link your own bank cards, split bills automatically (50/50 or custom ratios), and pay abroad with zero FX fees — all without opening another account or switching banks.

The Monzo joint account makes shared spending simple with real-time tracking, budgeting tools, and no foreign transaction fees. It’s ideal for couples who already bank with Monzo — but has drawbacks like shared financial liability, equal ownership of funds, and the need for both partners to use Monzo. For a more flexible option, Cino offers a smart joint account alternative that lets couples split expenses automatically without opening a shared bank account. You can link any debit cards, choose your split ratio, and even map your memories together — all for free.

Splitting everything 50/50 isn’t always fair — especially when one partner earns more. That’s why many couples now choose to split bills based on income, dividing costs proportionally to what each person earns. But doing the maths manually can be tedious. Cino makes it effortless. Couples can set a custom split ratio (like 60/40), link their existing bank cards, and every shared payment is divided automatically. All expenses are tracked in the app — no spreadsheets, no reminders, no stress. It’s the simplest, fairest way to split bills based on income.

The blog compares the best joint accounts in the UK, from traditional banks to modern fintechs. It highlights Cino as a smart new alternative that lets couples or friends split payments instantly via a shared virtual card — no joint bank account needed. Starling and Monzo stand out for seamless app-based joint accounts, Revolut for multi-currency travel spending, and First Direct and NatWest for reliability, overdrafts, and switching bonuses.

Tired of the risks and restrictions of joint accounts? Cino is the smart, modern joint account alternative that lets couples share expenses instantly — without merging bank accounts. It takes less than a minute to set up, requires no top-ups, and gives you full control over how you split payments — 50/50, 60/40, or by exact amount. Every payment is tracked automatically, and Cino even pins where you pay so you can map your memories together. It’s free, fair, and built for modern relationships.

Splitwise has long been the go-to app for sharing expenses — but users are increasingly frustrated by paywalls, limits, and manual tracking. Enter Cino, the free Splitwise alternative that actually splits bills automatically. Instead of logging every expense and chasing repayments, Cino links your existing bank cards so everyone’s share is deducted instantly at checkout. It’s fast, fair, and completely free — no subscriptions, no FX fees, and no admin.

Splitting bills shouldn’t feel like a full-time job. Whether it’s dinners, rent, or group trips, the right app can make sharing expenses simple. In this guide, we compare the top three bill-splitting apps in the UK — Cino, Splitwise, and Tricount — to see which actually makes life easier. Spoiler: only one of them splits bills automatically, saving you time, admin, and those dreaded “who owes who” chats.

TikTok has evolved into a hub for Gen Z to build money skills, with creators offering bite-sized advice on budgeting, side hustles, and investing. Over 70 percent of Gen Z now turn to social media for financial guidance, trusting relatable peers over traditional experts. Key UK creators include MiaRoseMcGrath for beginner investing tips, Naomi’s Financial Fix for practical budgeting hacks, and Ollie Invests for creative side-hustle ideas.

Cino is now live in the UK, offering a shared virtual Visa card that splits payments instantly, no IOUs, top-ups, or matching bank accounts required.

We're super excited to announce that we have raised €3.5 million in a seed-funding round led by London’s Balderton Capital!

Asking someone to split the bill can have very different consequences across the world. In this blog post, we dive deep into 7 different cultures and how they interpret this request. Find out why waiters bring two bills in the Netherlands or why it might be rude to pay for the meal in the Middle East.

Let's be honest, talking about money can be uncomfortable. It's not exactly the kind of topic that makes for a great dinner conversation. But when it comes to relationships, financial issues can be a major source of stress and conflict. In fact, a lack of communication about money is one of the leading causes of divorce. So, it's important to address any financial problems as soon as they arise and work together as a team to find a solution.In this article, we'll be discussing the lack of communication in couples’ financial problems and how to fix them. So, grab your partner and let's dive in!

Welcome to the era of dating in 2025, where traditional norms are evolving, and new expectations are emerging. As we delve into the fascinating world of modern romance, it's essential to understand the changing dynamics and embrace the possibilities that lie ahead. In this blog post, we'll explore five key dating expectations that reflect the shifting attitudes and desires of individuals in the year 2025.

Dining out with friends or going on a first date can be a delightful experience, but when the bill arrives, the question of how to split it can bring a moment of uncertainty. Fear not, for we, the team behind Cino, have some creative approaches to make bill-splitting a fun and engaging conversation. In this blog post, we will empower you with the know-how to master the art of bill-splitting in various situations, using Cino as your ultimate solution for seamless shared payments.

Navigating the intricacies of splitting the bill in relationships is a complex and often challenging conversation in today's evolving landscape. This multifaceted dilemma raises questions about cultural influences, personal values, and how we express and perceive romance. More specifically, in a time where gender fluidity and evolving relationship dynamics reign supreme, we find ourselves pondering: Is splitting the bill the same for queer and straight couples?

Ever found yourself in that oh-so-awkward situation where you've picked up the tab and now you're stuck chasing your pals, colleagues, or housemates for your share? Trust me, I've been there too! But today, I've got some hilarious anecdotes and tips that will not only help you recover your hard-earned cash but also make it a breeze.

Sharing a two-bedroom apartment with a couple sometimes becomes messy - especially when it comes to money. Sometimes the splitting expenses is about as fair as a coin toss with a two-headed coin. We get it, and we're here to rescue your budget and your sanity. Living together with a couple can be an awesome experience - double the fun, right? But when it comes to the nitty-gritty of how to split rent with a couple and handle shared expenses, things can get a bit complicated. So, let's dive into five ways to split rent and expenses that will leave everyone smiling (and not just because they scored a sweet deal).

When it comes to managing finances as a couple, advice is abundant. But how do we separate fact from fiction? So, let's dive in and unravel the mysteries surrounding finance advice for couples!

Money can be a touchy subject in relationships, and it's no wonder why. Our finances are often tied to our deepest values, beliefs, and priorities. But avoiding financial conversations or ignoring financial issues can create stress, strain, and even resentment in relationships. In this article, we'll explore five common financial problems faced by couples and offer tips on how to solve them. Whether you're dealing with differences in spending habits or struggling with debt, our aim is to show you that these issues can be resolved through open communication, compromise, and a little bit of patience.

In today's world, where shared expenses are a common occurrence, finding the right app to manage and track them can be challenging. With numerous finance apps available, it's no wonder that many customers find themselves asking, "How is Cino different from Splitwise?" In this article, we'll dive right in and compare Splitwise & Cino for splitting bills and sharing expenses.

Are you tired of constantly feeling like your wallet is being drained? It’s not like you’re making any big expenses. You constantly feel like you should save money but at the same time, live your life in your 20s. Yeah, same. Well, fear not, because Raluca, a full-time international student in Amsterdam, is here to share nine pieces of advice that she wished she knew sooner for saving money.

Couples in committed, long-term relationships are bidding farewell to joint bank accounts. They are looking for a new way to manage their money and share costs. Bill splitting apps like Cino are a better alternative to joint bank accounts.

The most romantic hotels in the most romantic city. Enchanting cobblestone streets and gazing into each other's eyes here we come!

Amsterdam is entering its best season with love flowing in the air! Whether you are visiting for short holiday or you live in Amsterdam and want to discover romantic stops for a cute date night, we share our 3 recommendations for an enchanting night out that will light up both your taste buds and your heart. 

Let's be honest, nobody wants to bring up money when you're in the middle of a great time. But then comes the added stress of keeping track of who owes what. 

Money is often a taboo topic in relationships, and cultural expectations can add an extra layer of complexity

Cino is the first bill-splitting app that automates shared expenses at the moment of payment. Instead of one person fronting the whole bill and chasing repayments, Cino deducts each person’s share directly from their own bank card—no transfers, no IOUs, no awkward reminders. You can split by percentage or amount, and payments happen instantly when you tap.

Splitting the bill is still such a headache in 2023, but good news, a game-changer just entered the arena to help us make sharing expenses a breeze.

Cino is the best bill-splitting app of 2025 because it’s the only app that splits bills automatically at the moment you pay. Everyone links their own card, and Cino deducts each person’s share instantly—no transfers, no reminders, no IOUs. It works perfectly for couples, housemates, friends, families, and group trips. Cino also offers QuickSplit, which lets you split a bill with anyone—even if they don’t have the app—via a simple link and one tap. It charges 0% FX fees abroad, automatically tracks expenses, uses bank-level security (Mastercard + checkout.com), and eliminates the awkwardness of chasing money. In short: Cino removes the maths, the admin, and the social friction from shared expenses, making it the smartest and easiest way to split bills in 2025.

Your university years are the best of your life, but what makes them so special? For me, it’s the cheeky nights at the pub with friends, low-budget trips over the Easter break and our gourmet cup of noodles for dinner with roomies.Whilst being the best times, they have also been some of the most stressful for me especially when its the time to pay, and you are not able to say no when you are asked to pay for everyone.

Cino is the newest app designed to make shared living smoother by automatically splitting payments at the moment of purchase—no IOUs, no chasing, no spreadsheets. Whether it’s utilities, WiFi, groceries, takeaways, or one-off furniture buys, Cino handles the maths, collects everyone’s share, and keeps your household organised. With features like shared virtual cards, QuickSplit links, and instant charge-outs, it’s the simplest, safest way to manage shared expenses and avoid housemate tension. If you want hassle-free, drama-free shared living, Cino is the smartest way to split bills with housemates.