Cino is the first joint account for couples who don't want a joint account. A shared virtual card that takes your share of the bill from your personal bank accounts when you pay. So you can share expenses without sharing a joint bank account.
SET UP YOUR JOINT ACCOUNT IN 2 MINUTES
SPLIT BILLS INSTANTLY
THE "NO-FUSS" JOINT ACCOUNT
Cino is a joint card that deducts your share of the bills from your own personal bank accounts when you pay. Setting up takes 2 minutes. Just download the app, create a virtual shared card and add your partner.
Just download the Cino app, create a joint card for sharing expenses, and invite your partner. No credit checks required.
AUTO TRACK EXPENSES
All your shared expenses are tracked automatically in the app – no admin required.
1. PAY
Add shared card to Apple Pay or Google Pay
2. SPLIT
Split bills by % or exact amount.
3. TRACK
All shared expenses are tracked automatically
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.
⭐️⭐️⭐️⭐️⭐️ Benoit,
Tripadvisor
“Cino has replaced our joint account without any of the stress — no fees, no negative balances, no constant top-ups. And it’s free!
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AUTO-TRACK EXPENSES
A joint account for independent couples
Pay together, but keep your finances separate. Cino does not link you to your partner financially. And if you do break up, you can just delete your shared card in seconds.
Don't waste time manually adding your purchases – every shared expense is logged automatically in your Cino app.
Want to split bills based on income? Or only pay for what you had at dinner? Cino lets you split bills by percentage or exact amount for maximum control over how you split bills.
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.
No top ups required
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.
Because Cino is linked to your own personal bank cards, you never have to top it up like you do with a joint account.
A joint account is a shared bank account held by two or more people, allowing everyone equal access to deposit, spend and manage money from one shared pot. It’s often used by couples or housemates for shared bills, but it usually requires opening a new bank account, linking finances, and sometimes passing credit checks. How Cino is different: Cino lets you share expenses without opening a joint bank account. Instead of pooling money, you simply pay with a shared virtual card and Cino automatically splits the payment and charges everyone’s own bank card instantly. No one fronts the full cost, there’s no chasing repayments, and everyone keeps their own bank account – with every shared expense settled on the spot.
How do I set up a Cino joint account?
To start using Cino with your partner, you both simply need to download the app, create your own Cino profiles, and link your personal debit or credit cards. Then you join the same group in the app to share a virtual Cino card. You don’t need passports, proof of address, or to open a joint bank account — everyone keeps their own bank account and Cino automatically splits and charges each person’s share when you pay.
Does a joint account affect my credit score?
A joint bank account itself usually doesn’t directly change your credit score, but opening one financially links you to the other person. You become financial associates on your credit files, which means lenders may assess your partner’s credit history when you apply for credit. If the joint account has an overdraft and payments are missed or you go over the limit, both of your credit scores can be affected. If you later separate finances, you can request a financial dissociationwith UK credit agencies.How Cino is different Cino lets you share expenses without merging your finances. You don’t open a joint account, you don’t become financially linked, and you don’t share credit risk. Everyone pays their share automatically from their own card, so your credit profile stays separate and independent.
Do joint accounts charge fees?
In the UK, most standard joint current accounts don’t charge a monthly fee. However, some banks do have paid “packaged” joint accounts that come with extras like insurance or rewards, and these usually have a monthly cost. You may also face other charges such as overdraft interest/fees, foreign transaction fees, late payment charges, or penalties if you go into an unarranged overdraft. Importantly, both people are jointly responsible for any debt on the account. Cino does not charge any fees so you can share expenses freely without worrying about going into overdraft or being charged when you travel.
How do you close a joint account?
With a traditional joint bank account, both people usually need to agree to close it. You’ll normally need to clear any balance or overdraft, move Direct Debits, and then contact the bank together (in-app, phone, or branch) to request closure. If one person doesn’t agree or there’s outstanding debt, banks can freeze or refuse closure, which can get complicated.With Cino, there’s nothing to “close”. You’re not financially linked, there’s no shared balance, and no credit association. If a relationship, friendship, or house share changes, you simply leave the shared card and delete it from the app. That’s it.You can still keep using your Cino app to split payments with friends, family, housemates, co-workers — anyone, without ever merging finances or dealing with bank admin.
