Comparison

Splitkaro vs Cino

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Splitkaro

Effortlessly manage shared expenses with friends, roommates, or family. This app simplifies bill splitting, tracks personal and group costs, and provides smart payment reminders to avoid awkward money conversations.

Highlights
  • Intelligent payment reminders
  • One-tap bill import from popular services
  • Item-wise bill splitting
  • Auto expense tracking via SMS
  • Group chat and money sharing
  • Graphs, charts, and analytics
  • Import balances from other apps
Features
Read full description

Introducing Splitkaro: The Ultimate Group Expense Manager Now available in the USA, Splitkaro transforms the way you manage shared expenses. Whether it's with friends, flatmates, family, or colleagues, we make splitting bills simple, transparent, and stress-free. Split karo, khush raho :) #Who is Splitkaro for? Anyone who shares expenses with: * Friends from school, college, or office * Flatmates and roommates * Travel companions and trip groups * Your partner or spouse * Family and household members * Hostel or co-living mates * Colleagues and co-workers * Business partners or small teams * Yourself (for personal expense tracking) #Why Choose Splitkaro? * Save time and avoid awkward money talks * Track group and personal expenses in one place * Get smart payment reminders * No more manual calculations * Plan trips and set budgets * Manage bills for rent, groceries, subscriptions, and more * Import balances from Splitwise and others * Seamlessly split expenses item-wise * Built for simplicity, speed, and smarter decisions #Powerful Features: * Intelligent payment reminders for timely settlements * One-tap fetch bills from Swiggy, Zomato, BlinkIt, BigBasket, Instamart * Item-wise bill splitting (ideal for food and grocery orders) * Pay-per-use and shared cost breakdown * Auto expense tracking via SMS fetch (no manual entry) * Priority bills for important payments * Group chat + money sharing in one place * Graphs, charts, and group analytics * Group admin controls and member-wise tracking * Expense search to quickly find old bills * Simple home budget planning #Built to Help You: * Split equally, unequally, or item-wise * Combine multiple bills under a group * Track personal expenses along with group ones * Manage all payment modes including UPI apps like GPay, PhonePe, WhatsApp, BHIM, Paytm, CRED and more * Easily import balances from apps like Splitwise, Tricount, and GoDutch #Loved by users across India and the USA: * "The app's user-friendly interface makes it a breeze to use." * "Smooth onboarding and payment process - perfect for trips." * "Splitting bills on autopilot is a game-changer." #Splitkaro Premium While Splitkaro is free to use, we offer optional paid subscriptions with added benefits. Choose from trial, monthly, quarterly, or annual plans. * Payment will be charged to your iTunes account after confirmation * Subscriptions do not auto-renew * If you use a trial, any unused period will carry over upon upgrade * You can continue using the free version if you don’t subscribe Your data is safe and secure. Please review our Privacy Policy and Terms: 1. [https://www.apple.com/legal/internet-services/itunes/dev/stdeula/](https://www.apple.com/legal/internet-services/itunes/dev/stdeula/) 2. [https://privacy.splitkaro.com/](https://privacy.splitkaro.com/) Download Splitkaro today and take control of your shared expenses. For support, write to us at [support@splitkaro.com](mailto:support@splitkaro.com) Crafted with love in India

About

Cino

This app simplifies splitting bills among friends, housemates, and partners. It allows instant settlement via Apple Pay or Google Pay, ensuring no one owes anyone after payment. Users can customize split ratios and avoid foreign transaction fees.

Highlights
  • 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
Features
Read full description

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.

Screenshots

Splitkaro4 screens
Cino4 screens

Verdict

The call

The clearest difference is in-app purchases: Cino at none against Splitkaro's 10. Cino also leads on update cadence (every 2 weeks vs every 6 weeks) and review sentiment (88% vs 78%). Splitkaro's advantage is ratings volume (55 vs 9). On price, rating, ads and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Splitkaro sells 10 in-app purchases, starting at $2.00 per month. Cino asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.9 for Splitkaro against 5.0 for Cino. That said, the two scores are not equally well evidenced: Splitkaro has 55 ratings behind it against 9, so its average is the more settled of the two. Written reviews are what separate them: 78% of Splitkaro's written reviews are positive against 88% of Cino's.

UpkeepUpdate frequency

Splitkaro ships an update every 6 weeks, Cino every 2 weeks. The most recent releases landed on September 26, 2026 and September 17, 2026 respectively.

Scorecard5 real differences · 5 level
Splitkaro versus Cino: the parameters behind the verdict, then further details
ParameterSplitkaroCino
PriceFreeFree
Rating4.9 (55 ratings)5.0 (9 ratings) — better
Positive reviews77.8% of reviews87.5% of reviews — better
Number of ratings55 — better9
Update frequencyEvery 6 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemiumAd-supported — better
DevicesiPhoneiPhone, iPod — better
Requires iOS16.015.0 — better
Further details — not scored
Size82 MB161 MB
Age rating4+17+
DeveloperSplitkaro Private LimitedFreerange Lamas OU

Customer experience

Splitkaro

All ratings55 ratings
Positive98.2%
Neutral1.8%
Negative0.0%
Written reviews63 reviews
Positive77.8%
Neutral9.5%
Negative12.7%

Cino

All ratings9 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews16 reviews
Positive87.5%
Neutral0.0%
Negative12.5%

In-app purchases

10 purchases

Splitkaro

Subscriptions2
  • Monthly Subscription$2.001 Month
  • Monthly Subscription$4.001 Month
One-time8
  • Splitkaro Subscription$0.99
  • Trail Plan$1.00
  • Monthly Plan$4.00
Show 5 more
  • Quarterly Plan$5.00
  • Yearly Plan$12.00
  • Yearly Plan Onboard$12.00
  • Yearly Plan Day1$12.00
  • Annual Premium Plan$15.00
None

Cino

No in-app purchases

Questions

Is Splitkaro free?
Splitkaro is free to download, with in-app purchases available.
Is Cino free?
Cino is free to download, with no in-app purchases.
Which has better reviews, Splitkaro or Cino?
Cino is rated higher. Splitkaro averages 4.9 out of 5 from 55 ratings, while Cino averages 5.0 from 9 ratings.
Do Splitkaro or Cino have ads?
Neither Splitkaro nor Cino shows ads.
Which is updated more often, Splitkaro or Cino?
Splitkaro ships an update every 6 weeks, and Cino every 2 weeks. Most recently, Splitkaro was updated on September 26, 2026 and Cino on September 17, 2026.

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