If you’ve ever tried to split bills with friends, a partner or housemates, you’ll know the pain: one person pays, someone forgets, someone underpays, someone overpays, and someone ends up doing a full accounting degree on a Sunday morning just to settle a £12 brunch.
We’ve had fintech breakthroughs in every corner of money management — but splitting shared expenses? Until now, it’s been stuck in the dark ages.
Traditional expense sharing apps like Splitwise and Tricount helped organise the chaos, but they never solved the core problem:
someone still has to front the bill, log the expenses manually, then chase everyone down afterwards.
Enter Cino — the first bill-splitting app that automates everything at the point of purchase. No debt. No spreadsheets. No awkward “Can you send your share?” texts. It’s the first real shake-up the shared spending world has had in over a decade.
Let’s dig into why Cino is completely changing the game.
Apps like Splitwise, Tricount, and even “Split the bill” features inside banks like Monzo or Revolut have good intentions — but they all rely on the same outdated flow:
And worst of all?
You still have to front the full cost, which can get uncomfortable on group holidays, especially when the bill is big.
This works fine for a one-off coffee. But for:
…it falls apart quickly.
People want fairness without becoming the group accountant.
That’s why Cino feels like a total breath of fresh air.
Cino is the first expense sharing app that splits payments automatically the moment a card is tapped.
Not afterwards.
Not manually.
Not with a bank transfer.
Not with a spreadsheet.
It works like this:
You name it — “Spain Trip”, “Flatshare”, “Date Night”, “Besties”.
No need to switch banks, no need to open a joint account.
It works with any bank — Barclays, Monzo, NatWest, Starling, Revolut, HSBC, whatever.
This is the magic part.
Everyone in the group gets the same shared card in their wallet.
Each person’s share is charged to their own bank card automatically.
Your group could split by:
Perfect if you’re splitting bills based on income or want total fairness.
No receipts.
No typing.
No admin.
The app logs every shared transaction automatically.
This is what makes Cino unlike any other bill-splitting app.
Ordering a £400 Airbnb?
A £150 group dinner?
A £90 petrol tank?
Everyone pays their share instantly, not later.
With traditional expense apps, debt stacks up.
With Cino, debt never exists in the first place.
No “Hey, when you get a sec…”
No “Just sending this again…”
No “Sorry, totally forgot!”
Because there's nothing to chase.
Cino charges 0% FX fees.
Most banks don’t.
If your friends all bank with different providers, Cino keeps things seamless and fee-free abroad.
Couples often want to split bills based on income or exact amounts — something joint accounts can’t do automatically.
Cino handles all of this effortlessly.
They don’t need to switch banks or commit to anything heavy.
Just add their card via Apple Pay or Google Pay.
Split a one-off bill with friends who don’t have Cino.
They join with one tap.
Everywhere you pay gets pinned on a map — a shared travel log, date log, friendship diary… automatically created.
Spice up dinners or drinks with a fun twist:
one person gets randomly chosen not to pay.
Yes — extremely.
Cino doesn’t store or share your card information — not even internally.
And because everyone only pays their own share, there’s no risk of someone overdrawing a shared account (like with joint accounts).
Cino feels like the first real evolution in how people split money.
Where older expense sharing apps help you organise payments,
Cino eliminates the need for them altogether.
No debt.
No admin.
No mental load.
Just instant, automatic bill-splitting.
Whether you're:
…Cino makes the whole experience effortless.
Cino isn’t just another expense sharing app.
It’s the first one that fully removes the awkwardness, admin and hassle from shared spending altogether.
Once you’ve used automatic bill-splitting, you’ll never want to go back.
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