Cino – Split bills instantly

OVER 2.5M BILLS SPLIT INSTANTLY WITH CINO

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Cino is the fastest way to split bills with partners, friends, and housemates. It’s the first ever bill-splitting app that uses group cards to split your group bill instantly with Apple Pay or Google Pay.
With Cino, no one has to cover the bill upfront – everyone’s share comes straight out of their own bank account. So no one owes anyone after the bill is paid. You can choose exactly how you want to split the bill, whether it’s 50/50 or 70/30.
No more chasing payments, logging expenses, or waiting months to get your money back. Cino is easy, fast, and free. Perfect for couples who want to share expenses without a joint account, housemates who can’t keep track of who bought the toilet roll last, and friends who almost fight every time they book trips together. You don’t have to pool your money together or top up funds. Simply pay with Cino and the bill gets settled automatically.
So drop the admin. Stop the spreadsheets, and start sharing expenses automatically with Cino. You won’t remember how you lived without it.
How it works
Download the Cino app
Connect Cino to your own bank card
Add your group Cino card to Apple Pay or Google Pay
Pay for shared expenses with your Cino card
Other bill‑splitting apps and expense trackers make you do all the work. Logging expenses, uploading receipts, transferring funds. With Cino, it’s all done for you – automatically.

A fairer, more flexible way to split bills
Choose how you want to split 50/50? 70/30? You decide what’s fair. Change your split ratio any time.
Avoid fees abroad Your bank might charge foreign transaction fees – but we don’t. So when you share travel expenses with Cino, you and your crew can save up to 3% in fees abroad
Add or remove people easily Friend decided to skip drinks tonight? Just unmark them in the group to take them off the bill.
Throw in some drama with Roulette Let fate decide who picks up the bill, and which lucky winner gets to skip it.

Safe and secure
Cino doesn’t hold your money – that stays safe in your bank. No one can access or share your card details – not even us! You can set spending limits on every group card and leave a group anytime!
Cino is a virtual Mastercard debit card and compatible with Apple Pay and Google Pay. You can connect most debit and credit cards to your Cino Mastercard, excluding American Express and Discover. Cino operates in partnership with licensed Electronic Money Institutions (EMIs) and Payment Service Providers (PSPs) across the EU and UK. Your payments are processed securely and in full compliance with local financial regulations.Your payments are encrypted, your funds are protected, and all transactions are processed securely under strict financial regulations.

Share expenses with every group in your life
Couples: Share everyday bills, groceries, or that weekend getaway without worrying about who paid last time.
Friends: From pizza nights to birthday dinners, everyone pays their fair share instantly.
Travel Crews: Split everything from flights and hotels to taxis and cocktails abroad — with no hidden fees.
Flatmates: Rent, utilities, Netflix, broadband — every bill divided fairly, automatically.
Family: Split the cost of family gifts, trips and subscriptions
Big Events: Hen parties, birthday bashes, or that epic trip to Japan — Cino makes splitting group expenses a breeze.
Download Cino today and split your first bill in seconds.