Cino

Cino is the fastest way to split bills with partners, friends, and housemates. It's the first bill-splitting app that uses shared virtual cards to split a group bill instantly via 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 card the moment you pay, so nobody owes anybody afterwards. You choose exactly how to split it, whether that's 50/50, 70/30, or any custom ratio, and you can change it any time.

Unlike other bill-splitting apps and expense trackers, which still require you to log expenses, upload receipts, and transfer funds manually, Cino does all of that automatically. For anything that doesn't go through the card, like cash or a bill someone else covered, Cino Tracking logs it too, so you're not stuck manually entering expenses the way you would with Splitwise.

It's a virtual Mastercard debit card, so your money never leaves your own account until the moment you spend, and it connects to most debit and credit cards (excluding American Express and Discover). All users can spend abroad without paying a penny in currency exchange fees.

Cino is free to download with no subscription. You only pay for what you actually use, 20p per transaction, and most people pay just a small fraction of that each month. However much you split, you'll never be charged more than £5 in a single month, no matter how often you use it.

If you're tired of Splitwise's IOUs and manually settling up later, Cino is different: it settles the moment you pay, automatically, so there's nothing to log and nothing to chase.

Available in the UK and EEA.