Splitting rent payments between partners or housemates sounds simple in theory—but the reality is often anything but. When you don’t share a joint account, someone usually ends up fronting the full rent payment and relying on everyone else to transfer their share before the due date.
It’s stressful for the person paying. It’s admin-heavy for everyone involved. And if even one person forgets, your whole budget is thrown off.
Cino is a new bill-splitting app designed to make splitting rent payments effortless. Instead of one person paying upfront, Cino lets you split rent automatically with a shared virtual debit card. Each housemate links their own bank card (debit or credit), and when the rent is paid with the Cino card, everyone’s share is deducted instantly. No chasing. No reminders. No awkward follow-ups.
You can also customise the split by percentage—ideal for couples who split rent based on income, or housemates who split rent by room size. And if you link a credit card, you can even earn points and rewards on your rent payments (a rare win for renters).
Cino is also working on launching its own IBAN, which will allow renters to split payments via direct debit. For now, you can only split rent payments with Cino if your landlord or rental platform accepts card payments.
Traditional ways of splitting rent rely on trust, timing, and everyone behaving like a human calendar. Usually:
With rent increasing and living arrangements getting more flexible—couples renting together without joint accounts, multi-housemate homes, income-based splits—traditional bank transfers are slow, fiddly, and error-prone.
Cino removes the admin entirely.
Cino works by creating a shared virtual debit card for your household. Here’s how it works:
That’s it. No chasing. No reminders. No one fronting money they can’t afford.
Imagine you live in a four-bedroom London house share:
Your monthly rent is £4,200.
Instead of splitting evenly—which wouldn’t feel fair—your housemates decide to split based on room size and desirability.
Here’s one way to do it:
Inside Cino:
No one fronts the rent. No one has to transfer money back. And everyone pays exactly their fair share based on the room they occupy.
Because Cino is a shared debit card, you can link almost any payment card to it. If you choose to link a credit card, you can:
All while splitting rent with your housemates automatically.
Most people never earn rewards on their rent—Cino changes that.
Not yet.
Cino is building its own IBAN, which will allow renters to split rent payments even when landlords only accept bank transfers or standing orders.
Right now, you can only split rent payments with Cino if your landlord or letting agent allows rent to be paid by card.
Many modern rental platforms already do, and private landlords increasingly accept card payments through portals like SpareRoom partners, or direct Stripe links.
Splitting rent used to be stressful. With Cino, it just… isn’t.
Whether you’re sharing with a partner, living with friends, or managing a busy house share, Cino takes the admin, anxiety, and awkwardness out of splitting rent.
Download Cino and split rent payments automatically—fairly, instantly, and without the stress.
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