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 thousands of people 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 the full cost, then everyone settles up by bank transfer
✅ Pay with a shared virtual card — no one fronts it, no transfers needed
Every expense has to be added by hand
✅ Every card payment splits itself automatically
Getting repaid depends on reminders and goodwill
✅ Everyone's charged their share instantly
No shared card — someone still has to front the money individually
✅ A shared virtual card means no one fronts the full bill
Balances can sit unpaid for weeks
✅ Nothing to settle — everyone pays in real time
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
Everyone who's tired of manually logging expenses in Splitwise.
Cino makes it easy for couples to split bills without merging their finances.
Cino is the easiest way for friends to split bills, trips, and everyday expenses.
Cino is the perfect bill splitting app for housemates splitting rent, groceries, and utilities.
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.
Splitwise tracks who owes what and leaves everyone to settle up by hand. Cino goes a step further: pay with the shared card and everyone's share is charged to their own card automatically, the moment you pay. No manual entries, no reminders, no waiting to get paid back.
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