Cino – auto-split bills 4+

Cino is a virtual card – made for couples, friends and roommates – that splits expenses instantly, online and IRL. Simply connect the card to an existing bank account, add Cino card to your Apple Wallet and start splitting with your chosen group.

LESS CALCULATING, MORE LIVING
From manually splitting dinner dates to chasing friends for small change, we believe that hanging out with friends and loved ones should be free of added costs that never get paid back. Our mission is to defeat the stress of sharing costs for groups of friends and couples by replacing clunky expense-calculator apps and joint accounts.

NO TOP-UPS REQUIRED
The app automatically connects to an existing bank account, so no need to transfer funds or track top-ups. As long as you have enough money in your connected account, you can pay with Cino.

ADJUST SPLIT RATIO
Change the amount that each user pays anytime – so whether you're splitting equally or precisely, you only ever pay your share.

Cino is only available for residents of Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway and Iceland at this moment.