Traditional joint accounts can be risky, complicated, and restrictive. They merge your money, link your credit histories, and leave both partners liable for overdrafts or debts. Not to mention the fact they can be a hassle to set up, and require regular top ups. That’s why thousands of couples are turning to Cino, the joint account alternative that’s modern, fair, flexible, and free. Rather than sharing a joint bank account, Cino links your personal bank cards to a virtual joint card. All bills and shared expenses are split automatically when you pay. In other words – your share comes straight out of your own bank account. All your expenses are tracked automatically in the app. And you can even customise what share of the bill you want to pay, which is perfect if you want to split bills proportional to income rather than going 50/50.
Unlike a traditional joint account, Cino enables couples to pay together using their own personal bank cards. Which means you don't have to open a joint bank account at all in order to split thebills. Setting up a Cino account literally takes seconds. Just download the app, securely link your personal bank cards to Cino and that's it – you're ready to share expenses automatically. You can even customise what share of the bill you want to pay, which is perfect if you want to split bills based on income rather than going 50/50. It
Cino is a smart joint account alternative that makes sharing expenses effortless.It works like a shared spending card — but without the shared account (or the paperwork). Whenever you or your partner pay with Cino, the app instantly splits the cost across both of your accounts. No top-ups, no transfers, and no awkward “who owes what” messages.
That’s it — your finances stay separate, but your spending stays perfectly synced.
It takes less than a minute to get started — no forms, no waiting for account approvals, no shared bank account needed.
You use your existing bank cards. Cino handles the split automatically, so there’s no need to move or preload funds.
Decide exactly how you want to divide each payment — equally, proportionally (like 60/40), or by custom amounts. Cino ensures you always pay your fair share.
Every time you pay, Cino logs where you spent and how much — giving both of you total visibility with zero admin.
Cino pins every place you pay, so you can map your memories together — saving favourite restaurants, coffee spots, and travel destinations.
Turn date night into a game! With Cino’s Roulette mode, you can spin the wheel to decide who pays the bill.
No account fees, no subscriptions, and no hidden charges — not even when you travel abroad.
Cino is just as safe as using a joint account to share expenses. The important thing to remember is that Cino doesn't actually hold any funds. It's securely connected to your bank account, and all your personal information, including your card details, is encrypted end to end. So no one can access or share your information. You and your partner are both issued with a virtual Mastercard debit card which can be added to Google Pay or Apple Pay. You get live notifications every time you spend s you can spot suspicious transactions instantly. And set spending limits on your Cino card to minimise any potential risk.
Download Cino — the automatic, modern alternative to a joint account.
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