DOWNLOAD CINO
Just a few taps away from making group payments a breeze.
PAYING
TOGETHER
MADE EASY
The first shared card that splits and pays
at the same time.
The first shared card that splits
and pays at the same time.
One solution to REPLACE them all
Splitwise, Paypal, TIKKIE, Excel Sheets..
Certified partners
PAY AND SPLIT.
ANY BANK,
ANYWHERE.
PAY AND
SPLIT.
ANY BANK,
ANYWHERE.
Use it online or irl,
for one-off or recurring expenses.
Use it online or irl,
for one-off or recurring expenses.
No need to top up
Connect to your
existing bank account
Charges only
your share
CINO WAS CREATED
FOR YOU TO QUIT:
CINO WAS
CREATED FOR YOU TO
QUIT:
Unorganized
Google Sheets
Random
Mental Math
Awkward
Moments
Reminders if
they paid
you back
TO MAKE YOUR SHARED
TO MAKE YOUR
SHARED
TO MAKE
YOUR
SHARED
EXPERIENCES
EASIER.
HERE'S HOW
IT WORKS

1. CONNECT

1.
CONNECT

your any EU bank account
or debit card in seconds

2. CREATE

2.
CREATE

groups and choose your split ratio

3. ADD

3.
ADD

your shared card to Google
or Apple Pay. Each group member
gets a card.

4. PAY

4.
PAY

with any group member's card
and instantly split

PEOPLE ARE
LOVING CINO

Cino is exactly what me and my girlfriend needed. We were always sending money back and forth after transactions. This has taken away the awkwardness of who will pay and then trying to send each other money
Emma • Email
Great app, easily able to split bills automatically with friends and family!
Shane • App Store
I love that I do not have to do anything after I pay. I've tried multiple apps to manage expenses, but with Cino everything's instant!
Lara • Email
Love how Cino automates all the tedious tasks and gets rid of the mental gymnastics of splitting bills.
Hiro • Google Play
Free for the
first 10K Cinos
YOU'RE IN
CONTROL

CHOOSE YOUR
RATIO

Change how payment is split,
before or after payment

TRACK YOUR
EXPENSES

Get eyes on every transaction,
including who paid and how much

SET YOUR LIMIT

Decide how much you'll get
charged, anytime

100% SECURE

Fully compliant with the highest PCI
standards in Europe.

How cino keeps you safe >
Get the Cino App
Paying together made easy
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FAQ
What is a shared virtual card?

A shared virtual card works just like a regular card, with two caveats. First, as the name suggests, it’s totally virtual. Meaning it is exclusively available through digital wallets like Apple and Google Pay, or for online payments. Second, it’s connected to more than bank account (or person!). Don’t fret, the card can only be shared with people within the private group, who actively connects their bank account – meaning all transactions remain private and safe.

Once a virtual card is created, group members choose their auto-split ratio (what fraction of each transaction is paid by each member). From there, each transaction is auto-split amongst the group members per the ratio they agreed on.

What is a ratio split?

The amount that each member on the card chooses to pay for each transaction. So if you have a 50/50 ratio split with your friend over lunch, you will each be charged 50% of the bill. And if you have a 40/60 ratio split with your roommate, you will be charged 40% of the transaction, and they will be charged 60% of the transaction.

With Cino, each member decides what the ratio split is and can change it anytime.

Do I need to pre-load money onto the card?

No – a Cino virtual card is connected to your existing bank account. That’s the beauty of it! When you use your Cino virtual card to pay for a bill, it auto-splits the total payment and only withdraws a fraction of the total bill based on your chosen ratio split.

How much does it cost?

Free forever... if you amongst the early users at least :)

Do my friends have access to my bank account?

No – that’s super private stuff that we keep under locks. No one can see the balance on your account - not even us. Purchases from your bank account can only be made within the ratio splits and limits you set.

Can I set limits for the card?

Yes – you can set limits for each transaction or decide on a monthly limit.

We’re already working on setting limits for the type of transactions, coming soon.

Where does the card work?

Anywhere that accepts Visa debit cards – a delicious Italian restaurant, a last minute flight to a beach or your monthly WiFi bill.
Cino app is available for residents of Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway and Iceland at this moment.

We might expand soon

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Cino VISA debit cards are issued by our partner Wallester AS, a financial institution and a VISA Principal Member
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