Splitting bills with housemates can get awkward fast. If you’ve ever chased someone for their share of the WiFi, you know what I'm talking about. Bill splitting apps like Splitwise claim to help but they still involve a lot of manual admin. Someone has to front the bill, add the expense to the app, and wait for their housemates to pay them back. Other apps like Tricount do pretty much the same thing. Banks like Monzo and Revolut have caught up but you still end up in a never-ending game of transfer tennis with your flatmates. Cino is a new app going viral because it's doing something different: Cino is the first app that splits bills instantly when you pay – so you never have to front any of the bills or wait for anyone to pay you back. Think of it like having a joint bank card for your household bills and expenses. It's totally free, and because you can customise how you split everything, it's the fairest way to split bills with housemates.
In most shared houses, one person ends up paying the rent, Wi-Fi or energy bill upfront — and hoping everyone else sends their share on time. With Cino, that never happens. When a bill is paid using the shared Cino card, each housemate’s share is taken automatically from their own bank card. No one is left covering a £600 rent payment or floating the household until payday.
Housemate finances often fall apart in the follow-ups: “Can you send me your half?” “Did you pay yet?” “I think you sent the wrong amount.” Cino removes the need for reminders entirely. Bills are settled instantly at the point of payment, so there’s nothing to chase, nothing to reconcile, and no awkward money conversations in the group chat.
Cino doesn’t require a joint account, shared balance, or switching banks. Each housemate simply links their own debit or credit card. That means everyone keeps their financial independence, can use the bank they already trust, and doesn’t have to open a new account just to split bills.
Shared expenses aren’t one-offs — they come back every month. Rent, council tax, utilities, broadband, streaming subscriptions, even weekly groceries. Cino is built for these recurring payments. Use the same shared card each month and the bill is split automatically every time, without resetting splits or recalculating amounts.
No spreadsheets. No mental maths. No notes app tracking who owes what. Cino keeps everything clear by splitting costs evenly (or however you’ve agreed) at the moment you pay. Everyone knows where they stand, nothing piles up over time, and money stays out of the way of your living arrangement.
Bill-splitting apps like Splitwise have a free version, but many features are hidden behind a paywall. Cino is totally free and includes special features like Maps which logs all your shared experiences and free currency conversion abroad – perfect for sharing expenses on group trips.
If you use an agency or have a landlord who accepts card payments, you can use Cino to split the rent between you and your housemates.
You can split almost any bill with Cino! Just use your Cino card details like you would any other debit or credit card .
This almost always falls on one person's cad s Cno is a game changer when it comes to splitting the Wifi, Netflix and any other subscriptions you might share with your housemates.
Use your shared Cino virtual card for the Tesco shop, toilet roll runs, or emergency milk.The cost is split automatically at checkout. Everyone has a shared Cino card in their wallet so anyone cn a grab groceries without dealing with the maths afterwards.
Was it your turn last time? Who knows.
With Cino, whoever orders can simply pay with the shared card and everyone is instantly charged.
Big shared items like kettles, shelves, or cleaning equipment are easy to manage with your Cino card.
Even with Cino doing the heavy lifting, a few simple habits help your household stay harmonious:
Most apps help you track expenses; Cino helps you avoid them in the first place.
By splitting at the point of purchase, Cino eliminates the entire chase-and-settle cycle that makes shared living stressful.
Whether you're students moving into halls, young professionals sharing a flat, or long-term housemates wanting a calmer financial routine, Cino makes splitting bills with housemates effortless, automatic, and drama-free.
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