What is Cino And Why It’s The Best Splitting App of 2025

In an era where we tap our phones to pay and rarely carry cash, splitting a bill still feels like a throwback to the Stone Age. Digital wallets and banking apps have focused on individual transactions, leaving us to juggle spreadsheets, multiple payment requests, and awkward conversations every time we split costs; or worse, waiting for your turn to pay as everyone at the table takes it in turns to tap their phone!

Enter Cino: the virtual card that brings back the simplicity of sharing expenses without the hassle. No more chasing friends for refunds or navigating clunky multi-step split apps. Cino handles everything at the point of payment, so you and your group can enjoy the moment, not the math.

In this article, we’ll cover:

• What is Cino?
• Why Cino is the best bill-splitting app of 2025
• To find out why Cino is perfect for Gen Z in 2025, you can read our latest post!

What Is Cino?

Cino is a shared virtual card that automatically divides any purchase among group members at the point of payment. You simply connect your bank account (it can be any bank account, you don't need to all use the same one!) or debit card, create a group, and add the Cino virtual card to your Apple Pay or Google Pay wallet. When you tap to pay with that same Cino card each person’s pre-agreed share is instantly debited from their own account. No setup before the payment, no reminders afterward, Cino does it all in real time.

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All you have to do is:

1. create a group 
2. set a ratio
3. pay with the group’s virtual card 

Cino does the rest and splits the bill instantly among all parties involved: partner, friends, roommates (or whoever keeps you company - we don't judge). You link a single bank account to create multiple different virtual cards, one for each group. Not to mention it auto-tracks all your expenses for you. 

And - you’re in control. Within the app, you can change the split ratio anytime (even for one-time payments), and you can even set a limit! 

Why is it the best splitting app?

Apart from being the only app that allows you to tap & split, it also:

1. doesn’t require you to do anything before or after the payment: no top-ups or money requests needed
2. you don’t have to belong to the same bank as your friends/roommates/partner
3. eliminates any manual work: no more cataloging each expense or keeping evidence of payments
4. saves from the awkward conversations

Need we say more? Download now and stop letting money come between you and the moments that matter! Don’t remember the stress, the money, or the uneasiness. Instead, remember the food, the jokes, and the laughter.

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By yours truly,

Raluca Groza

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