The best joint account alternative for couples who don't want to open a joint bank account. Download the Cino app, create a joint card for sharing expenses, and invite your partner — no credit checks required.
Add shared card to Apple Pay or Google Pay
Split bills by % or exact amount.
All shared expenses are tracked automatically
Couples, friends and housemates share expenses with Cino.
5M
Bills split
and counting
33
Countries
and growing
3 MIN
To set up
Why thousands of couples are choosing Cino over a joint account
Must live in the same country
✅ Can live in different European countries
Can charge a monthly account fee
✅ No subscription. Pay as you go: €0.20 per transaction, capped at €5 a month
Charge 1–3% when travelling
✅ You pay like a local wherever you're travelling
Links you with your partner financially
✅ No financial link with your partner
Can run credit checks
✅ No credit checks
No custom split ratio
✅ Split bills whichever way you like
Both partners need to be with the same bank
✅ Works with any bank, in any supported country
Anyone who shares costs, without sharing a bank account.
Cino is a handy joint account alternative for couples who don't want to link their finances.
Cino can also act as a joint account for friends you share expenses with regularly.
Cino is the perfect expense-sharing solution for housemates who can't get a traditional joint account.
More on joint accounts and the alternatives.
A joint account is a shared bank account held by two or more people, giving 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 means opening a new bank account, linking your finances and sometimes passing credit checks. How Cino is different: Cino isn't a bank, and it's not a joint account from Monzo, Revolut, or your own bank either. It's an app that lets you share expenses without opening a joint bank account. Instead of pooling money, you 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.
A joint bank account doesn't usually change your credit score directly, but opening one can link you financially to the other person. Lenders may then look at your partner's credit history when you apply for credit, and if the account goes overdrawn or payments are missed, both of your credit records can be affected.
How Cino is different: 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.
You both download the app, create your own Cino profiles and link your personal debit or credit cards. Then you join the same group to share a virtual Cino card. There's no joint bank account to open: everyone keeps their own bank account, and Cino automatically splits and charges each person's share when you pay.
With a traditional joint bank account, both people usually need to agree to close it. You'll normally have to clear any balance or overdraft, move your direct debits and contact the bank together. If one person doesn't agree or there's debt on the account, the bank can freeze or refuse the closure. 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. You can keep using Cino to split payments with friends, family, housemates or anyone else.
Many standard joint current accounts don't charge a monthly fee, but some banks offer paid packaged joint accounts with extras like insurance or rewards. You may also face other charges, such as overdraft fees, foreign transaction fees or penalties for an unarranged overdraft, and both of you are jointly responsible for any debt on the account.
Cino isn't free, but it's pay as you go: €0.20 per transaction, and you'll never pay more than €5 a month. After that, every transaction is free for the rest of the month. No monthly fee, no overdraft charges and no cost when you travel abroad.
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