# Cino vs Kuma

The clearest difference is in-app purchases: Cino at none against Kuma's 2. On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Kuma sells 2 in-app purchases, starting at $3.99 per month. Cino asks for nothing beyond the download.

Cino ships an update every 11 days, Kuma every 2 weeks. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Cino | Kuma |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (9 ratings)](https://appshunter.io/ios/app/cino-split-bills-instantly/id6443988744/reviews)** | — |
| Number of ratings | **9** | — |
| Positive reviews | 87.5% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 11 days** | Every 2 weeks |
| Monetization | Free | — |
| Size | 159 MB | 44 MB |
| Requires iOS | **16.0** | 16.4 |
| Devices | iPhone | iPhone |
| Age rating | 17+ | 12+ |
| Developer | [Freerange Lamas OÜ](https://appshunter.io/developer/1639139741) | [Ching Yu Dai](https://appshunter.io/developer/6796927626) |

## What reviewers say

### 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


### Kuma

[App page](https://appshunter.io/ios/app/kuma-expense-tracking-bear/id6796927444)

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Kuma+ Monthly | $3.99 | per month |
| Kuma+ Yearly | $29.99 | per year |


## Frequently asked questions

### Is Cino free?

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

### Is Kuma free?

Kuma is free to download, with in-app purchases available.

### Do Cino or Kuma have ads?

Neither Cino nor Kuma shows ads.

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

Cino ships an update every 11 days, and Kuma every 2 weeks. Most recently, Cino was updated on November 3, 2026 and Kuma on October 31, 2026.

---

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