Every relationship splits bills differently. Maybe you split everything 50/50, maybe you split bills based on income, or maybe one of you is studying, freelancing, on parental leave, or just earning less right now. There’s no single “right” way to share expenses; there’s only what feels fair for your situation.
But most apps for sharing expenses with partners fall short when it comes to making life easier. Typically one person fronts the bill and waits to be paid back, or someone forgets to transfer, and resentment stacks up fast. “Taking turns to pay” works until expenses get uneven. And opening a joint account — the traditional solution — feels like a much bigger commitment than just splitting your groceries or Netflix bill.
Even then, joint accounts don’t actually solve fairness. They mix your money completely, require constant opping up, don’t show who spent what, and become messy to untangle if you break up.
Cino is the first expense-sharing app that takes care of shared expenses automatically. Unlike other expense-sharing apps, Cino creates a shared joint card for you that connects to your personal bank cards. so when you pay with your Cino Card, your pre-selected share is deducted from your own personal bank card. You can choose to split payments by percentage or exact amount, so it's great if you don't do 50/50 on everything. All your shared expenses are automatically tracked so you never have to manually add expenses – perfect if one or both of you is allergic to admin. Neither of you has to front the bill, ever, and no one is eve awkwardly chasing the other for their money back.
Thousands of couples are already using it as a joint account alternative. — a modern, flexible alternative designed for how couples actually share money today. Instead of fronting costs, chasing transfers or merging bank accounts before you’re ready, Cino lets you split expenses automatically and fairly, in whatever ratio works for your relationship. Whether you split 50/50, by income, 70/30 while one partner studies, or adjust things as life changes, Cino does the math automatically.
You keep your own bank accounts. You keep your independence. You just share the costs you choose — cleanly, transparently and without ever having to ask, “Can you send me your half?” again
Cino is the first bill-splitting app that automatically splits payments at the moment you pay — and it does it in a way that supports your relationship dynamic. No chasing, no awkward reminders, no admin.
No one fronts the whole bill. No one has to send a transfer. No one ends up doing mental maths after dinner.
Cino quietly handles everything.
Couples split money in lots of different ways. Cino supports all of them.
Perfect if you earn similar amounts or prefer things simple.
This is extremely common — many couples split rent or bills based on how much each partner earns. Cino handles this effortlessly.
You choose the ratio once — 60/40, 55/45, any number that feels right — and every shared expense uses that split.
Relationships evolve. Your finances should flex with them.
You can set the split to 70/30 or 80/20 — or any ratio at all — and change it whenever your situation changes.
Because fairness isn’t one-size-fits-all.
Cino lets you build the system that fits your real life, today.
You stay financially independent — you’re just sharing costs more intelligently.
No splitting bills manually.
No sending money.
No “You owe me £27.43”.
Just tap → and it’s handled.
Cino eliminates chasing, reminding, and tallying.
Whatever fairness looks like in your relationship, Cino respects it.
Rent, groceries, dinners, trips, furniture, date nights, bills, subscriptions, holidays — all split instantly.
Just moved in?
New parents?
One partner freelancing?
Not ready for a joint account?
Cino adapts to all of it.
It just makes life smoother.
If you want a simple, fair, flexible way to share expenses with your partner — without merging finances or dealing with admin — Cino is the best app for the job.
It lets you:
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