In 2025, we can pay with our watches, switch the lights off with our phones, and take a taxi that drives itself.
Yet somehow, splitting a bill with friends still turns into an admin nightmare.

Someone fronts the full cost, everyone promises to “send later,” and half the group mysteriously forget. Your shared dinner turns into a solo headache.

Enter Cino — the best bill-splitting app of 2025 and the first app that splits the bill automatically when you pay. No transfers. No awkward reminders. No IOUs gathering dust in the group chat.

Instead of fronting the bill, and asking everyone to pay their share after, Cino takes everyone's share of the bill from their own personal card when you pay.

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So...

‍✅ No one has to front the full cost of the bill

✅ No one is left waiting to be paid back

✅ No one has to do the maths. Cino splits the bill for you

✅ It's 100% free

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1. Split the bill instantly | How Cino works

t works in two ways: shared group cards for ongoing expenses, and QuickSplit for spotting one-off bills with friends.

Shared group cards for ongoing expenses

For regular shared costs — like rent, utilities, subscriptions, groceries, or travel — Cino uses shared virtual group cards.

Here’s how it works:

• You create a group with your partner, housemates, or friends
• Each person links their own existing debit or credit card
• You set how the bill should be split (equal or custom)
• When the group card is used, each person’s share is charged automatically to their own card

There’s no joint account and no need for one person to front the bill. Payments are settled instantly at checkout, so no one is left owed money and nothing needs to be sorted later.

Group cards are ideal for:

• Monthly bills like rent, broadband, and energy
• Shared subscriptions and memberships
• Regular grocery shops
• Ongoing travel or lifestyle expenses

Once set up, shared expenses take care of themselves.

QuickSplit for one-off expenses with friends

For one-off or spontaneous expenses — like dinners, drinks, taxis, tickets, or group plans — every Cino customer has a built-in QuickSplit card in the app.

Here’s how QuickSplit works:

• Every Cino user has a virtual QuickSplit card, which can be added to their mobile wallet
• When splitting a bill, they send a secure link to their friends
• Friends connect their own personal card privately via Apple Pay or Google Pay
• The Cino user pays with their QuickSplit card
• The bill is automatically split, with each person’s share deducted from their own card at the same time

Friends don’t need to download the app or create an account. They simply tap the link, connect a card securely, and their share is taken automatically when the bill is paid.

Split as you pay, not after

Whether it’s ongoing bills with a partner or housemates, or spotting a one-off bill with friends, Cino removes the awkwardness and admin from paying together. Everything is settled at the moment of payment — so there’s nothing to chase, track, or reconcile later.

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Zero FX Fees When Travelling Abroad

Most banks charge 2–3% on foreign transactions. Cino charges 0% FX no matter which card you link.

So when you’re travelling with friends, not only does Cino split every cost automatically — meals, taxis, groceries, hotels — it also saves you money.

It’s the all-in-one “Splitwise alternative meets travel hack” you didn’t know you needed.

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Track Shared Expenses Automatically (No Manual Logging)

Old-school bill splitters rely on manually adding receipts. Cino logs everything for you automatically.

Every shared spend is visible inside the app:

• Who paid
• Who shared the cost
• When it happened
• How much each person paid
• And where (thanks to Cino Maps)

You can even go back and relive your travel itinerary through your payments.
It’s money management meets memory keeping.

Built With Bank-Level Security

Cino is an official Mastercard partner, uses Checkout.com to process transactions, and never holds your money or sees your card details. Everything is encrypted end-to-end.

You can also:

• Set spending limits
• Remove group members instantly
• Use disposable QuickSplit links
• Delete one-off data immediately after the bill is paid

Safe, simple, and stress-free.

The Best Bill-Splitting App of 2025? It’s Cino.

If you're still calculating bills manually, typing amounts into apps, or waiting days for repayments, you're using old tech for a modern problem.

Cino is:

• the fastest
• the easiest
• the smartest
• the most automatic
• and the least awkward

way to split bills in 2025.

Ready to stop chasing payments?
Download Cino and split the next bill the smart way — automatically.

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