# S1lkPay vs Cino

The clearest difference is review sentiment: Cino at 88% against S1lkPay's 38%. Cino also leads on rating (5.0 vs 3.5) and ads (none vs shown). On price, ratings volume, update cadence and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Cino holds the better App Store score, 5.0 against 3.5. Both are backed by a comparable volume of ratings — 21 and 9 respectively. Written reviews point the same way: 38% of S1lkPay's written reviews are positive against 88% of Cino's.

S1lkPay ships an update every 3 weeks, Cino every 11 days. The most recent releases landed on October 15, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | S1lkPay | Cino |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (21 ratings)](https://appshunter.io/ios/app/s1lkpay/id1579807258/reviews) | **[5.0 (9 ratings)](https://appshunter.io/ios/app/cino-split-bills-instantly/id6443988744/reviews)** |
| Number of ratings | **21** | 9 |
| Positive reviews | 38.5% of reviews | **87.5% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 3 weeks | **Every 11 days** |
| Monetization | Ad-supported | **Free** |
| Size | 243 MB | 159 MB |
| Requires iOS | **15.5** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [S1LK, TOO](https://appshunter.io/developer/1474328358) | [Freerange Lamas OÜ](https://appshunter.io/developer/1639139741) |

## What reviewers say

### S1lkPay

[App page](https://appshunter.io/ios/app/s1lkpay/id1579807258)

A secure digital wallet and payment app for effortless financial transactions. Manage bills, shop online, and send money with a virtual prepaid card and expense tracking.

**Highlights:** Instant digital payment card, Secure mobile money transfer, Family finance management, Expense tracker, Multi-currency account, Card control features

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### Cino

[App page](https://appshunter.io/ios/app/cino-split-bills-instantly/id6443988744)

Effortlessly split bills with friends, partners, and housemates. This app allows instant settlement directly from each person's bank account, eliminating the need to chase payments or pool money. Customize split ratios and avoid foreign transaction fees.

**Highlights:** Instant bill splitting, Direct bank account settlement, Customizable split ratios, No need to pool money, Avoid foreign transaction fees, Add/remove people easily, Roulette feature for bill assignment

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is S1lkPay free?

S1lkPay is free to download, with no in-app purchases.

### Is Cino free?

Cino is free to download, with no in-app purchases.

### Which has better reviews, S1lkPay or Cino?

Cino is rated higher. S1lkPay averages 3.5 out of 5 from 21 ratings, while Cino averages 5.0 from 9 ratings.

### Do S1lkPay or Cino have ads?

S1lkPay shows ads; Cino does not.

### Which is updated more often, S1lkPay or Cino?

S1lkPay ships an update every 3 weeks, and Cino every 11 days. Most recently, S1lkPay was updated on October 15, 2026 and Cino on October 30, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*