Comparison

Cino vs Settle up, Split rent wisely

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

Head to head
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.

About

Settle up, Split rent wisely

Easily split expenses and manage shared finances with groups, roommates, or partners. Track all shared costs transparently and know exactly who owes whom, simplifying settlement and eliminating awkward conversations.

Highlights
  • Instant bill splitting (equal or custom)
  • Track shared expenses
  • Know who owes whom
  • Settle up with clear balances
  • Add multiple payers and uneven splits
  • Scan receipts to add expenses
  • Itemized expense tracking
Features
Read full description

Split expenses and manage shared funds with friends, family, roommates, partners, or travel groups. No more awkward conversations, messy spreadsheets, or “who owes who?” drama. Splito keeps everything fair, transparent, and stress-free. Perfect for vacation trips, dinners, events, shared homes, and everyday spending. Why People Love Splito - Split bills instantly - no calculators, no confusion - Track all shared expenses in one place - Always know who owes whom - Settle up easily with simple, clear balances - Works great for trips, roommates, couples, and groups - 100% transparency - everyone sees the same numbers Great For Every Situation - Group trips & vacations – flights, food, fuel, stays, activities - Roommates – rent, groceries, utilities, shared cabs, household costs - Couples – date nights, bills, subscriptions, vacation trips - Friends at dinners or outings – quick check splits - Events & celebrations – parties, gifts, farewell, contributions - Shared budgets – savings pools, group funds, club collections - For NGOs, societies, and clubs - complete transparency that protects trust and relationships. - Gifts, games, parties, rides — split anything with friends in seconds. Top Features - Split bills instantly (equal or custom split) - Track shared expenses for groups, trips, or households - Know exactly who owes whom - Settle up with clear balances - Add multiple payers & uneven splits - Add repeat expenses like rent, subscriptions, easily - Manage funds with your child, spouse, or friends - Scan Receipt and add expenses - Itemization expense tracking - Charts and Graphs for better visuals - Save default split for hassle free experience - Export data in easy to read format - Track funds for NGOs, societies, or clubs with complete transparency - Track and manage your personal expenses with a fund group - Clean, fast, and easy to use Transparent, Private & Secure Your data stays safe and accessible only to you and your groups. No surprises, no confusion — just clean, accurate expense tracking. Terms of Use: https://splito.canopas.com/terms-of-service Questions or Feedback? Reach out to us at https://splito.canopas.com/

Screenshots

Cino4 screens
Settle up, Split rent wisely4 screens

Verdict

The call

The clearest difference is in-app purchases: Cino at none against Settle up, Split rent wisely's 5. Cino also leads on rating (5.0 vs 4.7). Settle up, Split rent wisely's advantage is review sentiment (99% vs 88%) and ratings volume (54 vs 9). On price, update cadence, 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. Settle up, Split rent wisely sells 4 in-app purchases, starting at $4.99 per month. Cino asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Cino holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Settle up, Split rent wisely has 54 ratings behind it against 9, so its average is the more settled of the two. Written reviews complicate that: 88% of Cino's written reviews are positive against 99% of Settle up, Split rent wisely's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on September 17, 2026 and October 3, 2026 respectively.

Scorecard5 real differences · 5 level
Cino versus Settle up, Split rent wisely: the parameters behind the verdict, then further details
ParameterCinoSettle up, Split rent wisely
PriceFreeFree
Rating5.0 (9 ratings) — better4.7 (54 ratings)
Positive reviews87.5% of reviews98.6% of reviews — better
Number of ratings954 — better
Update frequencyEvery 2 weeksEvery 2 weeks
AdsNoNo
In-app purchasesNo — betterYes
MonetizationAd-supported — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.014.0 — better
Further details — not scored
Size161 MB137 MB
Age rating17+4+
DeveloperFreerange Lamas OÜCANOPAS SOFTWARE LLP

Customer experience

Cino

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

Settle up, Split rent wisely

All ratings54 ratings
Positive94.4%
Neutral0.0%
Negative5.6%
Written reviews72 reviews
Positive98.6%
Neutral0.0%
Negative1.4%

In-app purchases

None

Cino

No in-app purchases

4 purchases

Settle up, Split rent wisely

Subscriptions3
  • Splito Pro 1 Month2 variants$4.991 Month
  • Splito Pro 1 Year$14.991 Year
  • Splito Pro 1 Year$24.991 Year
One-time1
  • Pro Lifetime$99.99

Questions

Is Cino free?
Cino is free to download, with no in-app purchases.
Is Settle up, Split rent wisely free?
Settle up, Split rent wisely is free to download, with in-app purchases available.
Which has better reviews, Cino or Settle up, Split rent wisely?
Cino is rated higher. Cino averages 5.0 out of 5 from 9 ratings, while Settle up, Split rent wisely averages 4.7 from 54 ratings.
Do Cino or Settle up, Split rent wisely have ads?
Neither Cino nor Settle up, Split rent wisely shows ads.
Which is updated more often, Cino or Settle up, Split rent wisely?
Cino ships an update every 2 weeks, and Settle up, Split rent wisely every 2 weeks. Most recently, Cino was updated on September 17, 2026 and Settle up, Split rent wisely on October 3, 2026.

Other comparisons