Splitt is one of the newer entrants in the two-person expense-splitting space, built specifically around the idea that Splitwise and Tricount are overbuilt for group trips when what most people actually need is a simple way for two people to track shared costs. It's a fair critique, and worth taking seriously before assuming Cino is the answer for everyone.
Splitt is a browser-based app (no download required, it runs as a progressive web app) built specifically for two-person splitting rather than group expenses. You log an expense, say who paid, and choose how to divide it, default is 50/50, but any ratio works per transaction. Both people see the updated balance immediately. When it's time to settle up, Splitt supports one-click payment via Bizum, Revolut, or cash.
It also includes a travel mode for trip-specific tracking, subscription tracking for recurring shared costs, and a paid tier (€7.99/month, or €59.99/year, covering both partners on one subscription) that adds spending analytics, an AI assistant called Aritz, and removes ads. The free tier covers unlimited expense logging, real-time balances, and settlement, which is a genuinely generous free plan compared to where Splitwise and Tricount have ended up.
Worth being precise about that last part: Splitt itself never actually moves any money. It calculates the balance and then hands you off to Bizum, Revolut, or cash to complete the transfer yourself, outside the app entirely. It's a calculator that points you toward a payment, not something that makes one. It also doesn't connect to a bank account at all, everything is entered manually, and the only place a bank touches the process is that final, separate settlement step.
The honest comparison isn't Splitt versus Cino on features, it's ledger versus no ledger.
Splitt is very good at what it is: a fast, clean, two-person version of the expense-tracking model. But it's still that model. Every expense has to be entered manually. The balance updates in real time, which is a real improvement over apps where you have to refresh or wait, but the money itself doesn't move until someone actively settles up, one-click or not. Between the moment an expense happens and the moment it's actually settled, someone is owed money, and the app is tracking a debt rather than closing it.
Cino works differently by design: there's nothing to log and nothing to settle, because the shared card charges each person their share the moment something is actually spent. No balance ever accumulates because nothing was ever "owed" in the first place, each person paid their part directly, automatically, at the time of purchase. Splitt calculates who should pay whom and leaves the actual paying to you. Cino is the thing that does the paying.
There's also a scope difference worth naming: Splitt is built specifically as a two-person tool, that's its whole design premise. Cino isn't limited to two people at all, it works the same way for any group size, and you can set up multiple separate groups for different parts of your life, a partner, a flatmate, a friend group for trips, each with its own ratio and its own shared card. If your life is only ever going to involve splitting things with one other person, that difference won't matter to you. If it isn't, Splitt's two-person design is a hard ceiling, not a feature you can grow past.
It's worth being fair here rather than one-sided. If you and your partner want to see every individual expense itemized, exactly who paid for what, with a running history you can review, Splitt's ledger model gives you that in a way an automatic-charge model doesn't surface as naturally. Some couples want that level of visibility into the log, not just the outcome. And Splitt's free tier is a genuinely strong offer if you don't want to pay anything at all.
Worth looking closely at this, because the numbers land somewhere odd. Splitt's premium tier costs €7.99 a month, or €59.99 a year, covering both partners on one subscription. That's more than Cino's fee is capped at in an entire month (€5), for a completely different kind of product.
Here's the part that matters: paying for Splitt Premium doesn't change how the actual splitting or settling works. Whether you're on the free tier or paying €7.99 a month, you're still logging every expense by hand and still sending the money yourself through Bizum, Revolut, or cash when it's time to settle. Premium adds statistics, an AI assistant, unlimited goals, and PDF export, genuinely useful for some people, but none of it touches the manual work at the center of the app. You can pay more and still be doing exactly the same logging and settling as someone paying nothing.
Cino's fee works the opposite way. It's not layered on top of the same manual process as an upgrade, it's what removes the manual process entirely. Up to €5 a month buys the actual automation: no logging, no settling, nothing to remember. Splitt's most expensive tier doesn't buy you out of either.
If you want a detailed, itemized log of every shared expense and don't mind a manual settle-up step, Splitt is a well-built option, particularly if you're in Spain or Latin America where Bizum makes the settlement step frictionless.
If you'd rather the fairness happen automatically, charged in real time from each person's own account, with nothing to log and nothing to settle, that's what Cino is built for. It also works across any bank in the UK and Europe, not tied to one country's payment network the way Splitt is tied to Bizum. If the bigger question for you isn't which app to use but how to split fairly in the first place, especially when incomes aren't equal, that's a separate conversation worth having.
Is Splitt available outside Spain, Mexico, and Argentina?
Its site lists those three plus "6+ other countries" without naming them specifically. Since it's browser-based rather than tied to a particular app store, it's technically accessible anywhere, but its settlement options (Bizum specifically) are Spain-specific, so the actual experience will vary a lot depending on where you bank.
Does Splitt require linking a bank account?
No. It tracks expenses you enter manually and settles via Bizum, Revolut, or cash, so it doesn't need direct bank access the way an automatic-charging model does. Bizum itself is free for users according to its own FAQ, and Revolut-to-Revolut transfers are free too, though both only work if both people are already set up on those specific rails.
Is Cino more expensive than Splitt?
They're not really comparable on price, because they're not doing the same job. Splitt's free tier is a ledger: it tells you who owes what, but someone still has to actually send the money afterward, through Bizum, Revolut, or cash. Cino's fee (20 cents per transaction, capped at €5 a month) isn't for tracking anything, it's for actually executing the split automatically, so no one ever sends the other person money in the first place. One is a free calculator for a transfer you still have to make. The other replaces the transfer entirely. That's a different product, not a pricier version of the same one.
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