Cino is the first bill-splitting app that automates the way you share expense with friends, family, partners and housemates. Unlike banks and traditional bill splitting apps that require one person to front the bill, Cino automatically deducts everyone's individual share from their own personal bank cards. This means no one has to front the full bill, or bother with bank transfers, payment requests, or IOUs. The bill is split when you pay – not after. Genius. And you can split the bill by percentage or amount to share expenses in the way that feels right for you.
Cino is the first bill splitting app that automatically splits shared expenses at the point of transaction – meaning once you've paid, everyone's paid. It does this by creating shard virtual cards that link up to every group member's personal bank cards.
Whether you want to share a Cino card for recurring expenses with partners, friends, housemates or group trips OR you just want to quickly split a dinner bill without the drama – you can do both with Cino.
To share recurrent expenses, just download the app and create a group card. Invite members to activate your card. Once everyone has joined and linked their personal cards, you can add your shared cards to Apple Pay or Google Pay. Set your split ratio and when it's time to pay, everyone's agreed share will be taken automatically from their own card - removing all the friction around splitting the bill. You can also use your Cino card details for online purchases and app subscriptions like Netflix and Apple TV.
Cino has a really handy QuickSplit feature that enables you to split the bill instantly with anyone, without the need to create a group card. Your friends don't even need to download the app. You, as the Cino user, add your virtual QuickSplit card to your Apple Wallet or Google Wallet. Simply send your friends a QuickSplit link and they can pay their share of the bill.
Here's how simple it is. Let's say you want to split bill with 6 friends at dinner.
Cino is the easiest way to split travel costs with friends and family. It's the perfect Splitwise alternative, as you don't have to manually add expenses and settle up later. When you create a group with your travel buddies, you can split all the costs automatically when you pay so no one is left owning anyone when you get home. Cino can also save you in foreign transaction fees. No matter what card you link to Cino, you will pay 0% in FX. So if your bank charges you fees abroad, you can bypass them when you pay together with Cino.
Cino also has a cool Maps feature that automatically pins where you pay. So you can create travel itineraries of your favourite places, share cool spots with friends, and keep a log of your favourite shared experiences.
Cino is a safe way to split bills with partners, friends and housemates. Cino is an official partner of Mastercard and all your personal card details are encrypted end to end. Cino will never access or share you card details – and they couldn'tif they tried! Cino uses global processor checkout.com to process transactions and doesn't hold any funds. This makes it not only safer, but easier too since you never have to top up your Cino card. You can also set spending limits on your group Cino cards to minimise risk. If you're using QuickSplit for a one-off bill, your friends' details are immediately deleted once the bill has been split.
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