Review Time
Where do I begin? STAY AWAY FROM THIS APP! I found multiple UNAUTHORIZED UNKNOWN TRANSACTIONS (some where blocked and some passed through and had to dispute!) on my Revolut card which I literally use nowhere else, and this started after entering it in their app! Plus I am getting SCAM/PHISHING MESSAGES on my phone when I did not previously. It seems that they SELL your personal data (phone, name, surname, date of birth, email address, card details) to other companies. Their SUPPORT IS NON EXISTENT. They reply (actually it's only 1 person) where and when they want to. The app is full of bugs (which was from the beginning) and lags a lot, and recently they also added hidden fees per transaction per person. In the website they clearly said it was going to be free "forever" for the "early users" (they removed it now but can easily be found in archives). They secured a 3.5 M fund and they aren't able to create an ease to use app without bugs and respect privacy of the user. Plus the weird transactions. They CANNOT BE TRUSTED. I wish I knew these from the begin and tell others to avoid before giving out any personal details to them.
They disabled the registration and never mentioned it anywhere in their website/social.I cannot join my travel friends to share the expenses via the app due to this problem.When the registration will be opened again? What's the problem?Never seen something like this!
Where do I begin? STAY AWAY FROM THIS APP! I found multiple UNAUTHORIZED UNKNOWN TRANSACTIONS (some where blocked and some passed through and had to dispute!) on my Revolut card which I literally use nowhere else, and this started after entering it in their app! Plus I am getting SCAM/PHISHING MESSAGES on my phone when I did not previously. It seems that they SELL your personal data (phone, name, surname, date of birth, email address, card details) to other companies. Their SUPPORT IS NON EXISTENT. They reply (actually it's only 1 person) where and when they want to. The app is full of bugs (which was from the beginning) and lags a lot, and recently they also added hidden fees per transaction per person. In the website they clearly said it was going to be free "forever" for the "early users" (they removed it now but can easily be found in archives). They secured a 3.5 M fund and they aren't able to create an ease to use app without bugs and respect privacy of the user. Plus the weird transactions. They CANNOT BE TRUSTED. I wish I knew these from the begin and tell others to avoid before giving out any personal details to them.
Fantastic application—until they introduced a €0.20 fee per transaction per person via an unclear email. A couple ends up paying €0.40 per transaction. They also set a maximum monthly cap of €5 per person, which over 12 months becomes €60 per person, and obviously €120 for two people. At that point, it no longer makes any sense to use it: charging per transaction in a cashless world is simply not sustainable.A real shame—great idea, ended very badly.P.S. Nowhere is it clearly stated that there are fees, unless you dig into the app’s FAQs. Even in the onboarding tour explaining how it works, there’s no mention of any cost. The transaction fee is not shown on the transaction itself; you can only infer it by comparing the receipt with the Cino transaction amount. This is the kind of practice that would certainly not sit well with antitrust authorities.
numerous transactions have been incorrect on the split, adding up the total to more that what the bill was!! SCAM!!Paid £3.11 per person and the total bill was £5.84 Not the first time Charged £0.84 per person and that bill was £1.25 !! I don’t think £0.84 x 2 adds to £1.25 but Yano maybe it’s my math !!! Stay away !!! SCAM NO CUSTOMER SERVICE TO COMPLAIN TO ABOUT WRONG TRANSACTIONS
We discovered Cino through ChatGPT when we were fed up with fees and the hassle of topping up a joint account. I had to dig a bit to find it, but it was worth it.What we like most is how natural it feels in daily life. We still use our phones to pay like we normally would, the merchant name shows up clearly on our bank statements, and we even get notified when the other person pays. That level of transparency really makes a difference.There’s no physical card, but honestly, does anyone really need that anymore? Between mobile payments and online shopping, we’ve never missed it.For us as a couple, Cino has replaced a joint account without any of the stress — no fees, no negative balances, no constant top-ups. And it’s free.I can easily see it being just as useful in a shared flat or for roommates. It has made our finances lighter and more transparent, and we’re really grateful to the team for creating something so practical.
I’ve been using Cino since the early days, and it really makes splitting bills stress-free.It might sound silly but before, when dining out with my girlfriend or friends, I sometimes even avoided going because I hated the awkward “who'll pay this time?” moment.With Cino, those shared payments are basically automated, and I love it.One small feature request: when changing split ratios, it would be great to enter an exact amount as well, not only percentages.
Well-designed and intuitive app, great for managing shared expenses without complications. The split system is clear: you pay with your virtual card, and the expense goes directly to each person's account—no need to do any math. Perfect for trips, dinners, or shared costs.
Highly recommend Cino. It's such a simple solution to a very annoying problem - managing a shared budget as a couple. Cino issues you with a digital card which you both link to your bank cards and add to your Apply wallets. When one of us pays with the Cino card it splits it between us automatically, i.e. I pay only my share of the bill. We don't have to chase each other for transfers anymore or keep mental tabs on who paid last. Love it!
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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 bill instantly with Apple Pay or Google Pay.
No one has to cover the bill upfront – everyone’s share comes straight out of their own bank account. You can choose exactly how you want to split. It's easy, fast, and free.
So drop the admin. Stop the spreadsheets, and start sharing expenses automatically with Cino. You won’t remember how you lived without it.See more
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