Comparison

Cino vs Chippy Split

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

Chippy Split

Easily manage shared expenses with friends, roommates, and groups. Split bills instantly, track balances in real-time, and settle debts without confusion. Organize expenses by group and get clear overviews of all shared spending.

Highlights
  • Instant bill splitting
  • Flexible splitting options
  • Organize expenses by groups
  • Real-time balance tracking
  • Payment reminders
  • Expense history and reports
  • Receipt import
Features
Read full description

Split bills, track expenses, and settle faster with Chippy Split. The easiest way to manage shared expenses with friends, roommates, trips, and groups, all in one place. Whether you're splitting rent, managing travel costs, or tracking daily expenses, Chippy Split keeps everything clear, fair, and stress-free. Why Chippy Split? Managing shared expenses shouldn’t be complicated. Chippy Split helps you split bills instantly, track balances in real time, and settle without confusion. Key Features • Add and split bills instantly without any limits • Flexible splitting options: equal, percentage, or custom amounts • Organize expenses by groups (friends, trips, roommates) • Track balances and settlements in real time • Send payment reminders to group members • View complete expense history • Export expense reports anytime Share and Add Bills Faster Easily import images or receipts directly into the app and start creating bills instantly. No more manual entry ,just share and go. Perfect For • Friends sharing daily expenses • Roommates splitting rent and utilities • Group trips and vacations • Couples managing shared spending Simple. Transparent. Stress-Free. No awkward reminders. No confusion. No missed payments. Just smart expense tracking that works. Privacy Policy https://card-snap.in/chippyapp/privacypolicy Terms of Use (EULA) https://card-snap.in/chippyapp/termsofuse

Screenshots

Cino4 screens
Chippy Split4 screens

Verdict

The call

The clearest difference is in-app purchases: Cino at none against Chippy Split's 1. Chippy Split's advantage is review sentiment (100% vs 88%). 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. Chippy Split sells 1 in-app purchase, starting at $1.99 per month. Cino asks for nothing beyond the download.

UpkeepUpdate frequency

Cino ships an update every 2 weeks, Chippy Split weekly. The most recent releases landed on October 4, 2026 and October 7, 2026 respectively.

Scorecard3 real differences · 7 level
Cino versus Chippy Split: the parameters behind the verdict, then further details
ParameterCinoChippy Split
PriceFreeFree
Rating5.0 (9 ratings) — better—
Positive reviews87.5% of reviews100.0% of reviews — better
Number of ratings9 — better—
Update frequencyEvery 2 weeksWeekly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationAd-supported — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.5 — better15.6
Further details — not scored
Size162 MB87 MB
Age rating17+4+
DeveloperFreerange Lamas OÜAman Khan

Customer experience

Cino

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

Chippy Split

Written reviews8 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Cino

No in-app purchases

1 purchases

Chippy Split

Subscriptions1
  • Chippy Pro$1.991 Month

Questions

Is Cino free?
Cino is free to download, with no in-app purchases.
Is Chippy Split free?
Chippy Split is free to download, with in-app purchases available.
Do Cino or Chippy Split have ads?
Neither Cino nor Chippy Split shows ads.
Which is updated more often, Cino or Chippy Split?
Cino ships an update every 2 weeks, and Chippy Split weekly. Most recently, Cino was updated on October 4, 2026 and Chippy Split on October 7, 2026.

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