Cino vs Xpensy

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.

Split group-trip expenses without the awkward math — or the awkward conversations. Xpensy is the smartest way to track and split expenses on group trips. Backpacking with friends, road-tripping with family, or sharing a flat with roommates — Xpensy keeps everyone's spending organized, fair, and transparent. Just snap a receipt and AI fills in the rest. WHY TRAVELERS LOVE XPENSY • AI Receipt Scanning — Photograph any receipt and AI instantly pulls the amount, currency, category, date, and merchant. Camera, gallery, or files. • Multi-Currency — 100+ currencies with live exchange rates. Spend in yen, baht, or euros and Xpensy converts to your base currency automatically. • Fair Group Splitting — Invite friends with a code or QR. Split equally or set custom shares. Everyone sees exactly what they owe. • Settle Up in One Tap — A clear "who owes whom" summary settles the whole trip in any currency, down to the last cent. • Timeline & Insights — Browse expenses by day with category pie charts, budgets, and daily averages. • Expense Map — See every purchase pinned on an interactive map of your trip. • Works 100% Offline — No signal on the island? Add expenses offline; everything syncs when you're back. • Export Anything — Polished PDF, Excel, and CSV reports, plus your full receipt gallery. • Face ID Lock — Biometric protection keeps your finances private. • Share from Anywhere — Send receipts straight from Photos, WhatsApp, or Mail into Xpensy. • Widgets — Home and Lock Screen widgets capture a receipt in one tap. • Your Style — Light, dark, and colorful themes. FREE TO USE — PREMIUM IS OPTIONAL Xpensy is free, and it stays free. Track your trips, invite unlimited members, scan receipts, and settle up at no cost. Premium is a completely optional upgrade — you only ever see it if you go beyond the generous free limit, and it simply unlocks unlimited AI receipt scanning and extra power features. No pressure and no lock-in: the app you use every day is always free. PRIVACY FIRST Your data is yours. Xpensy never sells or shares your financial information. Analytics are anonymous and opt-out, and you can delete your account anytime. Full privacy policy: https://xpensy.erezults.com/privacy Built with love in Israel by an independent developer. Have an idea? xpensy.support@erezults.com Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://xpensy.erezults.com/privacy