A NEW KIND OF JOINT
ACCOUNT
Share expenses without sharing a joint bank account.
Share expenses without sharing a joint bank account.
Just download the Cino app, create a joint card for sharing expenses, and invite your partner. No credit checks required.
All your shared expenses are tracked automatically in the app – no admin required.
Add shared card to Apple Pay or Google Pay
Split bills by % or exact amount.
All shared expenses are tracked automatically
Split bills with Apple Pay or Google Pay. And use your card details to split online purchases
Track all your shared expenses in one place – no admin required.
Split bills by amount or percentage.
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.
Get the app
and counting
and growing
Why thousands of couples are choosing Cino over
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.
Cino isn’t a bank — it’s an app that 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.
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.
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 dissociation with UK credit agencies.
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.
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 isn't free, but it's pay-as-you-go: 20p per transaction, and you'll never pay more than £5 in a month — after that, every other transaction is free for the rest of the month. No monthly fee, no overdraft charges, no cost when you travel abroad.
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.
