Land the win and your share of the bill drops to 0%. Everyone else's ratio adjusts automatically to cover the rest — fair, instant, no calculator needed.
No matter where the trip takes you, your Cino card works with 0% currency exchange — no hidden fees, no bad exchange rates. Create a group card to split travel expenses effortlessly, and everyone's settled up the moment you land. Bliss.
Cino costs 20p per transaction, capped at £5 per month. After around 25 transactions in a month, the rest are free. There's no subscription.
Where is Cino available?
Cino is available in the UK and throughout Europe, with hopes to expand globally.
Is my money safe?
Yes! Cino is a bill splittng app, not a bank. So it doesn't hold your funds i.e. you never have a balance on Cino. Your share of bills are deducted from your personal bank card. Cino is a Mastercard partner and fully PCI compliant. Your card details encrypted so they can not be seen or shared by anyone.
Can I split the cost of flights and hotels with Cino?
Yes! As long as the airline, hotel or booking platform accepts card payments, you can pay with your Cino card and split the cost automatically with everyone on the trip.
Can I split bills with friends if they don' t have the app?
Absolutely! Cino is not just a bill-splitting app for ongoing expenses between couples or housemates. You can split any bill instantly with anyone using QuickSplit. Your QuickSplit card lives in the app as soon as you sign up. When you want to split a bill, just send your QuickSplit link to friends and they can add themselves to the bill privately via Apple or Google Pay. You pay with your virtual QuickSplit card and everyone's share is taken automatically.