Sharing a house at uni is fun… until the bills start rolling in. Rent, WiFi, groceries, toilet roll mountains, takeaway nights, and shared Netflix accounts all add up — and suddenly your kitchen whiteboard is a battlefield of IOUs.
Most students rely on apps like Splitwise, Tricount, Monzo, Starling or Revolut to split bills. They help, but they all share the same frustrating flaw:
👉 Someone still has to front the full payment and hope everyone pays them back.
That’s where Cino, the first student bill-splitting app designed for real shared living, changes everything. Instead of tracking debts after the fact, Cino splits every bill automatically at the moment you pay — taking each housemate’s share from their own bank card.
No nudges.
No transfers.
No spreadsheets.
No group chat tension.
Just one shared Cino card → and the app handles the maths instantly.
Whether it’s the weekly Aldi shop, your WiFi bill, or a cheeky Deliveroo, Cino makes splitting bills at uni effortless.
Name it whatever suits your vibe:
House 14, Flat of Chaos, The Milk Thieves, Bin Duty Survivors, etc.
Invite your housemates to join.
Each person connects their debit or credit card securely via Apple Wallet or Google Wallet.
Cino supports most UK & EU cards — and you can even set spending limits for safety.
The default is a simple even split, but you can customise:
Perfect for when one housemate is away for the week or never eats the shared snacks.
Use it for:
Your group card comes with a 16-digit card number, CVV and expiry for bills.
£5 or £150 — you never end up covering your entire house while waiting to get paid back.
No more “send your share pls xx”.
No awkward chats.
No passive-aggressive messages.
Cino removes the social tension entirely.
Split evenly or customise it however you want.
Full flexibility → zero drama.
Someone moves out?
Someone new joins the house?
Just tap to update the group.
No manual recalculations. No chaos.
Everyone sees:
No manual uploads. No forgotten receipts. No mystery charges.
The app drops a pin wherever your group uses the card.
You get a fun map of:
Yes — even the 227 visits to the local Spoons.
From rent and utilities to Barcelona weekends and festival tickets — Cino splits every cost instantly, with no foreign exchange fees.
Many key features require Splitwise Pro (£3.99/month).
Cino is free.
It tracks debts… but someone still pays upfront.
With Cino, everyone pays at the same time, automatically.
Whether you’re travelling, interrailing, or on a city break, Cino never charges extra.
Splitwise doesn’t touch payments → so you still pay your bank’s FX fees.
With Splitwise, you can be settling leftover £4.12 debts from 2023.
With Cino — once you pay, it’s done.
No leftovers. No surprise debts. No arguments.
Money can be one of the biggest sources of tension in shared student houses — but it doesn’t have to be.
Cino turns shared expenses into something that just… works.
Automatically. Fairly. Instantly.
✔ No chasing housemates
✔ No fronting bills
✔ No awkward conversations
✔ No forgotten IOUs
✔ No spreadsheets
✔ No stress
Just an easy, free, student-friendly way to split bills.
Start splitting the smart way.
No drama. No debt-tracking. No admin.
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