The Best App to share expenses between friends

November 8, 2025

Sharing expenses with friends should be simple — but in reality, it often turns into a confusing mix of mental maths, receipts, group chats, and “I’ll send it tomorrow.”
If you’re looking for an app to share expenses between friends, you already know how frustrating splitting bills can be.

Enter Cino: the bill-splitting app that actually fixes the problem.

Unlike traditional expense-sharing apps or banks that rely on one person paying upfront, Cino automatically splits the payment at the point of purchase. Every friend pays their share instantly, using their own debit or credit card. No IOUs. No chasing. No awkwardness.

If you want the easiest way to share expenses with friends, here’s why Cino is the standout choice.

Download app to share expenses between friends

Why You Need an App to Share Expenses Between Friends?

Splitting costs can get messy fast:

  • Dinner with friends
  • Group holidays
  • Shared groceries or supplies
  • Nights out
  • Taxis and Ubers
  • Concert or event tickets
  • Group gifts
  • Housemate bills

The more people involved, the more complicated it becomes. Someone always pays more. Someone forgets to transfer. Someone ends up calculating everything after a long night out.

A dedicated app to share expenses between friends removes the stress — but only if it solves the problem at the moment it happens.

That’s exactly what Cino does.

Meet Cino: The App That Shares Expenses Instantly

Most expense apps work after you pay.
Cino works during the payment.

Here’s how it works:

1. Create a group with your friends

Set up a group for your night out, holiday, house share — whatever you’re splitting.

2. Connect your individual bank cards

Each person links their own debit or credit card to Cino.

3. Add the Cino virtual group card to Apple Pay or Google Pay

This becomes the shared card for the group.

4. Pay with the Cino card

When you tap to pay:

  • Each person is charged their share
  • The split is calculated automatically
  • No one has to front the full bill
  • No transfers or requests are needed

It’s the most seamless way to share expenses between friends because the bill is settled instantly.

Flexible Ways to Share Expenses

Cino lets you split costs however your group prefers:

  • Evenly (the default)
  • By percentage
  • By exact amount
  • Custom ratios

You can change the split for every payment, making it perfect for situations where not everyone pays the same.

Why Cino Is Better Than Traditional Expense Apps

Here’s what makes Cino the smartest app to share expenses between friends:

✔️ No one fronts the bill

Everyone pays their share instantly using their own card.

✔️ No more awkward reminders

No chasing friends for money. No “I’ll send it later.”

✔️ No maths or calculators

Cino does all the splitting and calculating for you.

✔️ Works for every type of shared cost

Restaurants, taxis, groceries, travel, gifts — anything.

✔️ Automatic expense tracking

Every shared payment is logged neatly inside the app.

Download app to share expenses between friends

Make Sharing Expenses Stress-Free with Cino

If you’re searching for the best app to share expenses between friends, Cino is the easiest and most accurate solution. It replaces manual calculations, eliminates IOUs, and ensures every friend pays their fair share instantly.

No spreadsheets.
No calculators.
No awkward conversations.

Just tap, split, and go.

Download Cino and start sharing expenses with your friends the easy way.

Download app to share expenses between friends

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