How to use Cino – a step-by-step guide

March 23, 2023

So you want to start making life easier by using a single app to split payments. We see you 👀 and we’re here to show you how.

What is Cino and how does it work?

Cino is the social payment app that automatically splits group expenses at the point of transaction – meaning once you've paid, everyone's paid. Say goodbye to working out who paid what, mental maths, or payment requests that get left on read. 

Using Cino is super easy

Here’s what you need to do:

👉 Connect Cino to your EU debit card or credit card

🤝 Set up a group and agree on a split ratio

💳 Add the group's card on Apple or Google Pay

Cino also tracks all expenses in the app, so you can see who paid how much and when. It's that simple. And with Cino, you’re in control.

😇 Enjoy a life free of chasing debts

And what about the groups? Well, creating them is just as easy as making a WhatsApp group. You create your group, invite your friends, and then activate the card. Here are the exact steps for inviting your friends with Cino:

Create your group and invite someone to start sharing costs with.
Once they join the group, activate the card.
and then add it to wallet via Apple or Google Pay.
Now you can track your expenses within the group ...
.. change the split ratio and set a spending limit.

Now that you've figured out how Cino helps maintain your financial sanity, you can quit your unwanted side hustle as a part-time debt collector (or, if you're the one that always forgets to pay back – you'll be able to keep a hold of your friends for a little while longer).

When having drinks with your friends, you don’t need to worry about paying for someone or paying someone back. When having dinner on date night, you don’t need to worry about gender norms and social pressure. Depending on the situation, you can choose if the expenses will be shared equally, proportionally, or in whatever manner you see fit.

Visit our FAQ section if you have any questions, and be sure to check out our other blog post on why splitting the bill can be annoying - and how to fix it.

Yours truly,

Raluca Groza

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