your debit or credit card in seconds
groups and choose your split ratio
your shared card to Apple Pay or Google Pay. Each group member
gets a card
in store or online with any group member's card
and instantly split
Couples, friends and housemates share expenses with Cino.
5M
Bills split
and counting
33
Countries
and growing
3 MIN
To set up
Why travel groups are switching from Splitwise to Cino
Splitwise tracks who owes who
✅ Cino actually moves the money automatically, the moment you pay
Free plan caps you at a handful of expenses a day — Pro costs around $5/month for unlimited
✅ No subscription, no daily limits — just €0.20 per transaction, capped at €5 a month
One person fronts flights and hotels, then everyone settles up by bank transfer
✅ Pay with a shared virtual card — no one fronts it, no transfers needed
Every taxi, meal, and round of drinks has to be logged by hand
✅ Every card payment splits itself automatically
Getting repaid after the trip depends on reminders and goodwill
✅ Everyone's charged their share instantly, on the trip
No shared card — someone still has to front the big costs individually
✅ A shared virtual card means no one fronts flights or hotels
Balances can sit unpaid for weeks after you're back
✅ Nothing to settle when you land — everyone's already paid
Currency conversion is a paid Pro feature
✅ Currency conversion is free, always included
Splitting with someone who doesn't have the app means bank transfers and reminders
✅ Split with anyone — they don't need the Cino app to pay their share
However your group travels, whoever's coming.
Split flights, hotels, and everything in between without turning your trip into a maths exercise.
Split every taxi, meal, and night out on the trip without tracking who owes who.
Perfect for festivals, stag and hen dos, and group holidays where everyone pays a different amount.
More on splitting bills the easy way.
Cino is a bill splitting app that lets you share a virtual card with friends, family, or housemates. Everyone links their own bank card, and whenever someone pays with the shared Cino card, the total is split automatically and each person's share is charged to their own card instantly. No spreadsheets, no IOUs, no chasing anyone for money.
You set a split ratio for your group — equal shares, a custom percentage, or a fixed amount per person. Whenever anyone pays with the shared Cino card, Cino automatically works out each person's share and charges it straight to their own card. There's nothing to log or settle up later.
You just need to link an existing debit or credit card. Cino isn't a bank account: it connects to the cards you already have, so there's no new account to open and no money sitting in a shared pot.
Cino is pay as you go: €0.20 per transaction, and you'll never pay more than €5 a month. After that, every transaction is free for the rest of the month. No subscription, no monthly fee.
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.
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