# Cino – Split bills instantly — Bill-splitting app > Instantly split bills with friends and partners using group payment cards. (iPhone/iPad app by Freerange Lamas OÜ.) - Source: https://appshunter.io/ios/app/cino-split-bills-instantly/id6443988744 (this page in markdown: same URL + `.md`) - Developer: [Freerange Lamas OÜ](https://appshunter.io/developer/1639139741) - Category: Finance - Price: Free - Rating: 5.00/5 from 9 App Store ratings · 16 written reviews indexed - Age rating: 17+ - Requires: iOS 15.0 · 160 MB - Languages: American English - Released: 2023-02-14 - Data updated: 2026-09-03 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/cino-split-bills-instantly/id6443988744/reviews.md ## What is Cino? OVER 2.5M BILLS SPLIT INSTANTLY WITH CINO 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 and fast. 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. ## Key features - Instant bill splitting - Group payment cards - Apple Pay/Google Pay integration - Customizable split ratios - No upfront payment required - Avoid foreign transaction fees - Add/remove participants easily ## Recent user reviews (10 of 16) All indexed reviews: https://appshunter.io/ios/app/cino-split-bills-instantly/id6443988744/reviews.md ### 5/5 — Best app! *2026-08-27* Great app! my friend told me about it when we went to Bologna and since then am using it with my wife and my friends. I had an issue with connecting my abn amro card but their customer support helped me quickly ### 5/5 — please *2026-08-14* please come to america 😞 ### 5/5 — GAMECHANGER *2025-09-05, version 2.8.0* This app has quite literally; changed the game. ### 5/5 — Great alternative to Splitwise *2025-09-01, version 2.6.0* Love this app, been using with my partner for splitting expenses since they launched in the UK. Everything works pretty well, the card is easy to add to your Apple wallet. We both got issued our own digital cards - the app splits at the point of payment (50/50 or as we set it). Love the design too. ### 5/5 — Best app for holidays, friendship dates and living with partner *2025-08-20, version 2.5.0* So good. ### 5/5 — Super easy! *2025-08-10, version 2.4.0* Downloaded the app thinking it was going to be a pain to set up, well I was wrong. Been using it to pay and it does what is says it will. You can even adjust by how much to split the payment by. If I was to give contracted criticism the only things I would say is that if you pull your phone away a little too quick when your paying the payment will decline.. but no real big deal because if you try it again and take your time it seems to all be ok. Over all so far I’m happy with it and will continue to use it going forward. ### 5/5 — Finally an app that gets it! *2025-07-31, version 2.4.0* After having problems with splitwise for years, I’ve been looking for a more efficient and convenient payment splitting solution and this is it! Bill splits instantly when you pay so not need for awkward conversations later. Highly recommend! ### 5/5 — Best app ever *2025-07-29* Use this everyday! What a slick way to split payments! Great for couples and flatmates esp! **Developer response:** Thank you for your 5-star review! We are so glad that you find it slick for splitting bills with your partner and flatmates, spread the word to your friends as we are a small start-up and we always love to have more happy customers🙌 Happy Splitting! ### 1/5 — Badd *2025-07-22, version 2.2.0* Foarte proasta aplicați am și sterso ### 5/5 — The best app *2025-06-27, version 2.0.2* Honestly, love how simple this app is. Super helpful for flatmates, trips, or dinners out. Way easier than keeping track manually! ## Frequently asked questions about Cino ### Does Cino have ads? Yes, Cino contains advertisements. As a free service, ads help support its ongoing development and maintenance. ### How secure is Cino? Cino is designed with security in mind. It does not hold your money, which remains in your bank account. Card details are not accessible or shared, even by the app, and transactions are encrypted and processed securely under strict financial regulations. ### What devices does Cino support? Cino is available on iPhone and iPod devices. It is compatible with Apple Pay for seamless payment integration. ### How often is Cino updated? The latest version of Cino is 2.19.0, last updated on February 26, 2026. Updates typically include new features, bug fixes, and performance improvements. ### Can I change the bill split ratio in Cino? Yes, Cino allows you to choose how you want to split bills, whether it's 50/50, 70/30, or another custom ratio. You can change the split ratio at any time to reflect your needs. ### Does Cino charge foreign transaction fees? No, Cino does not charge foreign transaction fees. This can help you save money when sharing travel expenses abroad, as your bank might otherwise charge up to 3% in fees. ### What payment cards can I connect to Cino? 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. ### What is the age rating for Cino? Cino has an age rating of 4+. This indicates it is suitable for a wide range of users, including younger individuals, though financial responsibility should always be considered. ## Version history (last 5 releases) ### 2.20.7 — 2026-08-31 Fixed a problem where a poor connection could sign you out. ### 2.20.6 — 2026-08-25 The app now starts much faster, screens load quicker, and we've fixed missing profile pictures plus some rough edges in card connection and sign-in. ### 2.20.5 — 2026-08-14 Clearer messages when a phone number or card can't be used, plus a fix for sign-in getting stuck. ### 2.20.4 — 2026-08-13 Fixes for adding cards to Apple Wallet, signing in, and billing address auto-fill. ### 2.20.3 — 2026-06-29 Fixed add to wallet issues, loading and ## Apps similar to Cino | App | Rating | Price | Category | | --- | --- | --- | --- | | [dtcpay](https://appshunter.io/ios/app/dtcpay/id1644858468) | 3.5 (8) | Free | Finance | | [myTU - Mobile Banking](https://appshunter.io/ios/app/mytu-mobile-banking/id1484316366) | 4.9 (21) | Free | Finance | | [S1lkPay](https://appshunter.io/ios/app/s1lkpay/id1579807258) | 3.5 (21) | Free | Finance | | [Satispay: Pay and invest](https://appshunter.io/ios/app/satispay-pay-and-invest/id790287076) | 4.8 (193) | Free | Finance | | [Kliq App](https://appshunter.io/ios/app/kliq-app/id6466425254) | 5.0 (2) | Free | Finance | | [isybank](https://appshunter.io/ios/app/isybank/id1666218772) | 4.5 (106) | Free | Finance | ## Related topics [eggspence](https://appshunter.io/ios/topics/eggspence) · [bill pay in 4](https://appshunter.io/ios/topics/bill-pay-in-4) · [chippy split](https://appshunter.io/ios/topics/chippy-split) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-03.*