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Meet the free Splitwise alternative that splits the bill when you pay, so you never have to settle up later.
The smartest Splitwise alternative
🙌 No one fronts the bill 🙌 No manually adding expenses 🙌 Never chase anyone for money back 🙌 100% free
THE BEST SPLITWISE ALTERNATIVE FOR SHARING EXPENSES
SPLIT BILLS INSTANTLY
SPLIT THE BILL INSTANTLY
Cino is the only Splitwise alternative that splits the bill when you pay – not afterwards. So no one has to cover the full cost upfront, add expenses, or wait to get their money back. Everyone's share is taken from their own personal card when the bill is paid.
AUTO TRACK EXPENSES
All your shared expenses are tracked automatically in the app – no admin required.
1. CREATE
Set up a group card with whoever you want to share expenses with – partner, friends, family, or housemates.
2. LINK
LInk your personal cards to your Cino account via Apple/Google Pay to split bills automatically with Cino.
3. PAY
Each person's share of the bill is taken from their own personal card as soon as you pay.
EASE
Split bills with Apple Pay or Google Pay. And use your card details to split online purchases
VISIBILITY
Track all your shared expenses in one place – no admin required.
CONTROL
Split bills by amount or percentage.
⭐️⭐️⭐️⭐️⭐️ Delphine,
Google Play Store
“Super practical bill splitting app for sharing costs with my partner. Much easier and seamless than Splitwise.
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ADMIN-FREE EXPENSE TRACKING
AUTO-TRACK EXPENSES
Cino is the first Splitwise alternative that tracks expenses automatically when you pay.
Don't waste time manually adding your purchases – every shared expense is logged automatically in your Cino app.
Split the bill by percentage or amount. Perfect if you want to split bills based on income, or only want to pay for what you had at dinner.
A SMART SPLITWISE ALTERNATIVE FOR TRAVEL EXPENSES
Create a group card to split travel expenses effortlessly. No one has to front the cost of flights or hotels. No one will get charged fees abroad. And everyone's settled up when you get home. Bliss.
Why spend your holiday manually adding expenses to Splitwise when you can split the costs instantly with Cino? Just create a group card, and add your travel buddies. Unlike Splitwise, there are no limits on how many expenses you can add - and there are no fees abroad no matter what bank card you link to your shared Cino travel card.
🤑No fees abroad 🙏No fronting expensive travel costs 🧘No owing anyone after your trip
Cino is the only bill-splitting-app that splits bills instantly, making it a great Splitwise alternative for sharing expenses with everyone in your life.
Yes, Cino is a free bil splitting app. There are no fees or charges, whether sharing expenses a home or abroad.
Where is Cino available?
Cino is available in the UK and throughout Europe, with hopes to expand globally.
Is my money safe?
Yes! Cino is a bill splittng app, not a bank. So it doesn't hold your funds i.e. you never have a balance on Cino. Your share of bills are deducted from your personal bank card. Cino is a Mastercard partner and fully PCI compliant. Your card details encrypted so they can not be seen or shared by anyone.
Can I split rent with Cino?
If your landlord or letting agency accept card payments, you can pay rent with Cino and split the cost automatically between your housemates or partner. We are working on introducing an IBAN so you can create direct debits for rent and monthly bills.
Can I split bills with friends if they don' t have the app?
Absolutely! Cino is not just a bill-splitting app for ongoing expenses between couples or housemates. You can split any bill instantly with anyone using QuickSplit. Your QuickSplit card lives in the app as soon as you sign up. When you want to split a bill, just send your QuickSplit link to friends and they can add themselves to the bill privately via Apple or Google Pay. You pay with your virtual QuickSplit card and everyone's share is taken automatically.
Is Cino the only SplitWise alternative?
There are many splitwise alternatives on the market, but Cino is the only expense sharing app that splits bills at the point of payment using shared virtual cards.
