Managing money as a couple is rarely about the maths — it’s about the friction. One person pays, the other owes. Transfers get forgotten. Small balances build up. And suddenly, everyday spending turns into ongoing admin.
Cino is designed to remove that friction. It’s an app that lets couples share expenses as they pay, without opening a joint account or tracking costs afterwards. Instead of logging transactions or settling up later, Cino splits shared spending automatically at the point of payment, with each person’s share taken directly from their own bank card.
For couples looking for the simplest way to manage shared expenses — while keeping their finances separate — this approach removes the need for spreadsheets, IOUs, and awkward money conversations.
So what’s the best way for couples to manage money in 2026?
Here’s the breakdown.
Simple, but not fair if incomes differ.
Fairer — but requires manual calculations, transfers and tracking.
Convenient, but a big emotional/financial step. Makes personal budgeting harder.
Easy in theory, messy in practice.
Each option solves something — but none solve everything.
Couples today:
Most arguments come from one simple issue:
👉 one person pays upfront, the other pays them back later
That’s where the friction is.
The cleanest, fairest method in 2025 is simple:
Not after.
Not via spreadsheets.
Not via transfers.
This is exactly what Cino does.
No debt, no chasing, no awkwardness.
You can split proportionally or 50/50.
No more “can you send me £38.40 for groceries?”
No need for joint accounts.
Both partners see the same thing.
Nobody feels like they’re fronting costs.
It’s ideal for:
Basically: almost everyone.
Use Cino to create:
Each card keeps spending fair automatically.
The best way to split finances as a couple in 2025 is simple:
split at the point of payment.
It’s fair, fast, modern — and thanks to Cino, it only takes 30 seconds to set up.
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