NEVER CHASE OR OWE MONEY EVER AGAIN
Welcome to Cino - the virtual card made to help couples and friends pay their share of the bill instantly. No more sending payment requests or multiple reminders. No more manual maths or awkward money moments.

PAY TOGETHER EASILY AS A COUPLE OR GROUP
Create your group and decide what percentage % of the costs each person pays. Only one person needs to pay with the group’s virtual card but everyone’s share will be instantly debited from their bank accounts.
WORKS WITH ANY EUROPEAN BANK ACCOUNT
Connect your bank account to Cino in just a few seconds. Even if you have different banks in different countries, your shared Cino card will split your bill and automatically deduct each person’s share from their bank account.

ACCEPTED WORLDWIDE, ONLINE OR IN-STORE
Pay with Cino anywhere that accepts Visa or Apple Pay. You can use it in person at retail locations or for purchases online.

AVAILABLE FOR ALL EU TAX RESIDENTS
Cino is currently available for all EU tax residents in 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.

Download Cino today and make sharing costs so much easier!
Shared. Safe. Sorted.
Learn more at www.getcino.com
Need support? Email us at [email protected]

Cino is a virtual card – made for couples, friends and roommates. Put your shared expenses on auto-split!
THE EASIEST WAY TO PAY AS A GROUP
One person pays with Cino's virtual card, and everyone’s share will be instantly debited from their bank accounts.
NO MORE FRONTING $$
Forget manually splitting dinner dates and chasing friends for your share, with Cino no one needs to front the bill for the group or track it to divy up later. Every payment will be instantly split and reflected in the app. No fronting money, no stress.
PAY ONLY YOUR SHARE
Change your group’s share anytime – so whether you're splitting equally or precisely, you only ever pay your share.
DIRECTLY FROM YOUR BANK ACCOUNT
Simply connect the card to an existing EU bank account, create your group and start splitting online and IRL. No need to top-up!
PAY FROM UBEREATS to FLIGHT TICKETS to PINACOLADAS
Cino Visa cards works everywhere where Visa or Apple Pay is accepted.
ACCEPTED WORLWIDE
You can use Cino card anywhere in the world that accepts Apple Pay and Visa.
FOR EU RESIDENTS
Cino 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 the moment. New markets comings soon!
For support email us at [email protected]
Learn more at www.getcino.com

Cino is a virtual card – made for couples, friends and roommates – that splits expenses instantly, online and IRL. Simply connect the card to an existing bank account, add Cino card to your Apple Wallet and start splitting with your chosen group.
LESS CALCULATING, MORE LIVING
From manually splitting dinner dates to chasing friends for small change, we believe that hanging out with friends and loved ones should be free of added costs that never get paid back. Our mission is to defeat the stress of sharing costs for groups of friends and couples by replacing clunky expense-calculator apps and joint accounts.
NO TOP-UPS REQUIRED
The app automatically connects to an existing bank account, so no need to transfer funds or track top-ups. As long as you have enough money in your connected account, you can pay with Cino.
ADJUST SPLIT RATIO
Change the amount that each user pays anytime – so whether you're splitting equally or precisely, you only ever pay your share.
Cino is only 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.

Cino is a virtual card – made for couples, friends and roommates – that splits expenses instantly, online and IRL. Simply connect the card to an existing bank account, add Cino card to your Apple Wallet and start splitting with your chosen group.
LESS CALCULATING, MORE LIVING
From manually splitting dinner dates to chasing friends for small change, we believe that hanging out with friends and loved ones should be free of added costs that never get paid back. Our mission is to defeat the stress of sharing costs for groups of friends and couples by replacing clunky expense-calculator apps and joint accounts.
NO TOP-UPS REQUIRED
The app automatically connects to an existing bank account, so no need to transfer funds or track top-ups. As long as you have enough money in your connected account, you can pay with Cino.
ADJUST SPLIT RATIO
Change the amount that each user pays anytime – so whether you're splitting equally or precisely, you only ever pay your share.
Cino is only 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.

Cino is a virtual card – made for couples, friends and roommates – that splits expenses instantly, online and IRL. Simply connect the card to an existing bank account, add Cino card to your Apple Wallet and start splitting with your chosen group.
LESS CALCULATING, MORE LIVING
From manually splitting dinner dates to chasing friends for small change, we believe that hanging out with friends and loved ones should be free of added costs that never get paid back. Our mission is to defeat the stress of sharing costs for groups of friends and couples by replacing clunky expense-calculator apps and joint accounts.
NO TOP-UPS REQUIRED
The app automatically connects to an existing bank account, so no need to transfer funds or track top-ups. As long as you have enough money in your connected account, you can pay with Cino.
ADJUST SPLIT RATIO
Change the amount that each user pays anytime – so whether you're splitting equally or precisely, you only ever pay your share.
Cino is only 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.

Cino is a virtual card – made for couples, friends and roommates – that splits expenses instantly, online and IRL. Simply connect the card to an existing bank account, add Cino card to your Apple Wallet and start splitting with your chosen group.
LESS CALCULATING, MORE LIVING
From manually splitting dinner dates to chasing friends for small change, we believe that hanging out with friends and loved ones should be free of added costs that never get paid back. Our mission is to defeat the stress of sharing costs for groups of friends and couples by replacing clunky expense-calculator apps and joint accounts.
NO TOP-UPS REQUIRED
The app automatically connects to an existing bank account, so no need to transfer funds or track top-ups. As long as you have enough money in your connected account, you can pay with Cino.
ADJUST SPLIT RATIO
Change the amount that each user pays anytime – so whether you're splitting equally or precisely, you only ever pay your share.
Cino is only 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.

Cino is a virtual card – made for couples, friends and roommates – that splits expenses instantly, online and IRL. Simply connect the card to an existing bank account, add Cino card to your Apple Wallet and start splitting with your chosen group.
LESS CALCULATING, MORE LIVING
From manually splitting dinner dates to chasing friends for small change, we believe that hanging out with friends and loved ones should be free of added costs that never get paid back. Our mission is to defeat the stress of sharing costs for groups of friends and couples by replacing clunky expense-calculator apps and joint accounts.
NO TOP-UPS REQUIRED
The app automatically connects to an existing bank account, so no need to transfer funds or track top-ups. As long as you have enough money in your connected account, you can pay with Cino.
ADJUST SPLIT RATIO
Change the amount that each user pays anytime – so whether you're splitting equally or precisely, you only ever pay your share.
Cino is only 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.

Cino is a virtual card – made for couples, friends and roommates – that splits expenses instantly, online and IRL. Simply connect the card to an existing bank account, add Cino card to your Apple Wallet and start splitting with your chosen group.
LESS CALCULATING, MORE LIVING
From manually splitting dinner dates to chasing friends for small change, we believe that hanging out with friends and loved ones should be free of added costs that never get paid back. Our mission is to defeat the stress of sharing costs for groups of friends and couples by replacing clunky expense-calculator apps and joint accounts.
NO TOP-UPS REQUIRED
The app automatically connects to an existing bank account, so no need to transfer funds or track top-ups. As long as you have enough money in your connected account, you can pay with Cino.
ADJUST SPLIT RATIO
Change the amount that each user pays anytime – so whether you're splitting equally or precisely, you only ever pay your share.
Cino is only 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.

Cino is a virtual card – made for couples, friends and roommates – that splits expenses instantly, online and IRL. Simply connect the card to an existing bank account, add Cino card to your Apple Wallet and start splitting with your chosen group.
LESS CALCULATING, MORE LIVING
From manually splitting dinner dates to chasing friends for small change, we believe that hanging out with friends and loved ones should be free of added costs that never get paid back. Our mission is to defeat the stress of sharing costs for groups of friends and couples by replacing clunky expense-calculator apps and joint accounts.
NO TOP-UPS REQUIRED
The app automatically connects to an existing bank account, so no need to transfer funds or track top-ups. As long as you have enough money in your connected account, you can pay with Cino.
ADJUST SPLIT RATIO
Change the amount that each user pays anytime – so whether you're splitting equally or precisely, you only ever pay your share.
Cino is only 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.

Cino is a virtual card – made for couples, friends and roommates – that splits expenses instantly, online and IRL. Simply connect the card to an existing bank account, add Cino card to your Apple Wallet and start splitting with your chosen group.
LESS CALCULATING, MORE LIVING
From manually splitting dinner dates to chasing friends for small change, we believe that hanging out with friends and loved ones should be free of added costs that never get paid back. Our mission is to defeat the stress of sharing costs for groups of friends and couples by replacing clunky expense-calculator apps and joint accounts.
NO TOP-UPS REQUIRED
The app automatically connects to an existing bank account, so no need to transfer funds or track top-ups. As long as you have enough money in your connected account, you can pay with Cino.
ADJUST SPLIT RATIO
Change the amount that each user pays anytime – so whether you're splitting equally or precisely, you only ever pay your share.
Cino is only 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.