Cino vs Kuma

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.

Kuma is a small, clumsy, warm bear who turns one sentence into a precise expense record. Tell Kuma what you spent by voice or text, the way you would tell a friend: "lunch at blue bottle for $4" "32 on gas" "got 40 back from Sarah" Kuma files the amount, merchant, and category in your ledger, then says something kind back with one original sticker. WHY A BEAR Most expense trackers begin with a bank password and a dashboard. Kuma begins with one sentence. The bet is simple: bookkeeping is easier to keep doing when it feels warm instead of judgmental. Kuma is clumsy in manner and precise in work. The bear is a bit of a mess. The numbers never are. WHAT IT IS LIKE - No bank login needed. Nothing to connect before you start. - Type one line, or tap the microphone and speak it. Apple turns your voice into editable text; Kuma does not store the audio. - Kuma confirms the amount and category and replies with one original sticker. - Correct an entry from Chat or Ledger when something needs fixing. - Ask "how much on coffee this month?" Totals come from your ledger, not a guess. - Track money out and money in in the same book. WHAT YOU GET - A clean, filterable ledger. - Monthly spending by category. - Ranked spending, a calendar view, and six months of cash flow. - Account-currency and dark-mode controls. - Your ledger, charts, and correction tools on every plan. PLANS The Free plan includes 15 new entries each Monday-to-Monday Pacific week. Optional Kuma+ removes that weekly entry limit so Kuma can keep logging all week. Monthly and yearly auto-renewing choices and localized prices are shown before purchase. Manage or cancel through Apple. WHAT KUMA DOES NOT DO - Never shame you or tell you that you spent too much. Kuma notices. Kuma never advises. - No budgets, goals, streaks, or financial, investment, tax, or legal advice. Kuma keeps the record. What you do about it is yours. To understand a message, Kuma sends the text and limited recent conversation context to an AI provider. You can delete your Kuma account and its associated data from inside the app at any time. Kuma has an English interface. Each account uses one selected currency. Changing the currency never converts an amount. Questions: admin@get-kuma.com Terms: https://privacy.get-kuma.com/terms/ Privacy: https://privacy.get-kuma.com/