A NEW KIND OF JOINT ACCOUNT

Cino is a joint account alternative for independent couples. Share expenses without sharing a bank account. Cino splits bills instantly, taking your share from your own personal bank cards automatically.

get CINO joint account

Set up in minutes

Opening a joint account can take days or even weeks. Cino takes 2 minutes. Just download the app, create a shared virtual card and invite your partner.

Get cino joint account

Control how you split bills

Unlike traditional joint accounts, Cino lets you split bills by % or amount so you have full flexibility over how you share expenses.

Track shared expenses

No need to log expenses in spreadsheets anymore. See them all instantly in the app.

No impact on your credit score

Using Cino as a joint account does not affect your credit score. We don't run credit checks and your finances remain completely separate from your partner.
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THE BEST JOINT ACCOUNT
FOR COUPLES

Why thousands of couples are splitting up with their joint account for Cino

Long set up.

Set up in minutes

Credit checks

No credit checks

Must be with same bank

Can be with any bank

Top ups needed

No top ups needed.

Financially linked

Financially
separate

HOW IT WORKS

1. DOWNLOAD CINO

Get the app to create your virtual joint card. Your partner doesn't have to be there physically to set up a card together.

2. CREATE JOINT CARD

Name your card, choose your design and link a personal debit or credit card. Cino supports all UK and European Mastercard and Visa cards.

3. ADD YOUR PARTNER

Send your partner a link to join. You can activate your card once they join and add your joint card to Apple or Google Wallet.  

4. PAY TOGETHER

Use your Cino card for all your shared expenses, both in-store and online. Your chosen share of the bill will be deducted automatically when you pay.

“Cino has replaced a joint account without any of the stress — no fees, no negative balances, no constant top-ups. And it’s free!"

Benoit, L

⭐️⭐️⭐️⭐️⭐️ Tripadvisor

A Joint Account for friends and housemates too

Cino is not just a joint account for couples. You can create shared cards with your friends, family or housemates to share expenses with zero effort. No bank transfers, spreadsheets, or awkward chats about who owes who.

Download cino now

FAQs

Is Cino a joint bank account? 

Cino is not a joint bank account. It's a joint card that's linked to your personal bank cards. It acts as an ideal joint account for couples looking for a modern flexible alternative.

Is it safe to use Cino as a joint account? 

Yes, Cino is safe to use. Cino is a Mastercard partner and fully PCI-compliant. It doesn't hold your funds and all your card information is encrypted so your details can't be seen or shared.

Can unmarried couples open a Cino joint account? 

Absolutely! In fact, Cino is perfect for couples who are early in their relationship and want to split everyday expenses without opening a joint account.