Millions of customers are looking for a free Splitwise alternative after the bill-splitting app introduced paywalls, limits, and ads. Customers can now only add 3 expenses per day before hitting their limit – which makes sharing expenses on group trips particularly challenging. Currency conversions, receipt scanning and itemisation are only available on paid plans, and users are bombarded with ads every time they use the free version of the app. If you don't want to fork out £2.99 a month just to share expenses with your partner, friends or housemates, there is a new Splitwise alternative that is not only free – it's better.
Cino is a bill-splitting app that chops up the bill automatically when you pay – not afterwards. How? Your shared card is connected to everyone's personal bank cards. So everyone's share is deducted from their personal card when the group card is used. This means no one has to log expenses manually like they do on Splitwise, no one has to front the full cost of any payment, all shared expenses are tracked automatically in the app, and there is no need to settle up afterwards. All blls are settled on the spot. You can choose to split by percentage or amount, and only ever pay your fair share. Cino doesn't charge any conversion fees either - a feature that you have to pay for with Splitwise, so it's perfect for sharing travel expenses.
Cino is super simple to set up – it takes around a minute.
Everyone in the group will be issued with a virtual Mastercard debit card that can be added to their mobile wallet. You can then make payments online with your Cino card details, or in-person by tapping with Apple Pay or Google Pay. When you pay with Cino, everyon'e's share gets automatically deducted from their personal cards. So you never have to chase anyone for your money back. Or figure out who you owe for what. Cino untangles all the mess of splitting bills.
While Cino is primarily a bill-splitting app, it's also got a few fun features that really set it apart as a Splitwise alternative.
QuickSplit:
If you want to split one-off bills with friends who don't have Cino or don't want to download the app before trying it first, you can add a virtual QuickSplit card to your mobile wallet and invite friends to share the bill with you. All they have to do is connect their personal card via Apple Pay or Google Pay which takes 2 seconds - and the bill will be split automatically when you pay with your QuickSplit card. It's perfect for sharing expenses that don't happen on a recurring basis, like dinners, drinks, etc
Roulette:
A fun way to spice things up, Roulette is a game in the app that selects one lucky winner to dodge the bill, leaving the rest of the group to cover their share.
Maps:
Maps is the latest feature on Cino and offers something Splitwise definitely does not – it pins everywhere you pay, creating a digital footprint of your shared experiences across the world with the people you love.
Yes, Cino is safe to use. Cino partners with Mastercard to issue virtual payment cards for automatic bill-splitting. All data is encrypted so no one can access or share your personal card details – not even Cino. You get live notifications every time you make a transaction and you can set spending limits on each group card. It's only sensible to use Cino with people you know and trust, just like you would if you were getting a joint account with a partner. As a Splitwise alternative, it's arguably safer than trusting friends to pay you back later. With Cino, every payment is split at the point of purchase. o
Cino is available in all EEA countries, and has recently landed in the UK where thousands of customers are already switching to Cino. It's not yet available in the US but the team have said that this would be a natural evolution upon successfully conquering Europe, since millions of Americans are still splitting later with apps like Venmo and PayPal.
Cino has a 4.5 star rating on Apple, with customers raving about how much they're enjoying the app compared to Splitwise.
"Great alternative to Splitwise. Love this app!" - Kate_Woods, App Store review
"The expense splitting app I've always dreamed of. Spliwise should take note." Jackshttl, App Store review
"Splitwise worked well but I still had to chase my friends for a few euros here and there (and I really hated asking for €1-5 back)! Finally with this app, my anxiety went away since everything is now split up-front." - Rohan, Trustpilot
If you want to try a Splitwise alternative that is instant, fair, and free, download Cino today.
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