Splitting bills with housemates can get awkward fast. f you’ve ever chased someone for their share of the WiFi, fronted the entire electricity bill, or tried to decode who owes what after a big Tesco shop, you’ll know the admin is half the headache. Enter Cino — the latest bill-splitting app built to take the pain out of shared living. Unlike old-school expense trackers or clunky spreadsheets, Cino automatically splits payments at the moment you pay, meaning no IOUs, no manual logging, and no “I’ll sort you next week.” If you’re looking for the simplest way to keep your house running smoothly (and your group chat peaceful), this guide will show you exactly how to do it.
Living with others means sharing everyday essentials, but managing the money behind them often comes with issues:
If you’ve ever had housemate tension over bills, you’re not alone. It’s one of the most common reasons for friction in shared homes—especially among students and young renters.
If you want the least painful, most efficient way of splitting bills with housemates, Cino is the app that finally solves the problem.
When someone pays with Cino, the app automatically charges everyone their share in real time. No IOUs. No reminders. No admin.
Create a “House Fund” group, invite your housemates, and use a shared virtual card for groceries, takeaways, cleaning supplies, and more. Each payment is instantly split.
Need to split a big shop, a furniture order, or this month’s utility bill? You can create a QuickSplit link and everyone pays their share upfront with Apple Pay or Google Pay—before you check out.
Cino connects through regulated open banking and card networks. You never touch each other’s money; everyone just pays their own share directly.
Cino handles all the maths, tracking, and settling automatically so you don’t have to.
This is why Cino is rapidly becoming the go-to app for splitting bills with housemates, couples, and friend groups.
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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