Sharing expenses with your uni housemates can get awkward fast, even if you’re living with your best friends. One minute, the group chat’s buzzing about the night before, the next you’re 3 hours deep into a passive-aggressive argument about who got the dishwater tabs last.
A lot of students are using apps like Splitwise or banks like Monzo or Revolut to share expenses more easily. But we’ve teamed up with a new bill-splitting app called Cino because it solves a major problem that the others don’t: waiting for people to pay you back.
Cino splits bills automatically so no one ever has to front the bill or chase anyone for money ever again. Instead, everyone’s share gets taken from their own personal bank card when you pay. Whether it’s the weekly Aldi shop, your WiFi bill, or a cheeky Deliveroo, Cino makes splitting bills at uni effortless.
How Students Split Bills With Cino (in Under 2 Minutes)
Create a shared group card for your house
Download Cino, invite your housemates and name your group card. If you don’t want to create a group, or your housemates refuse to download another app, you can use QuickSplit. Whenever you want to split a payment, just send your housemates a link, and they can pay their share by linking a card with Apple or Google Pay. This is perfect if you only share expenses occasionally. Or your housemates want to try it out before committing to a group card.
Everyone links their own personal bank card
Each person connects their debit or credit card securely via Apple Wallet or Google Wallet. Cino supports most UK & EU cards — and you can even set spending limits for safety.
Choose how you want to split
Cino splits bills evenly by default, but you can customise by splitting by percentage or amount. You can also opt housemates in and out of payments with one click, so if one person doesn’t want in on the takeaway or example, you can just take them off the bill.
Add the virtual Cino card to Apple or Google Pay
Use it for:
- groceries
- utilities
- shared subscriptions
- home essentials
- nights out
- student travel
- literally anything with a card number
Your group card comes with a 16-digit card number, CVV and expiry for bills. Soon, you will be able to split rent with Cino but right now that’s only possible if you’re letting agency or landlord accept card payments.
Five Reasons Why Cino Is the Best Student Bill-Splitting App
- No one ever fronts the full bill £5 or £150 — you never end up covering your entire house while waiting to get paid back.
- No chasing housemates Cino is the first app that sorts out the bill when you pay, not after.
- Everyone pays their fair share Choose to split evenly or customise by percentage or amount – you’re in full control.
- Add or remove housemates instantly Someone moves out?Someone doesn’t want in on the Friday night takeaway? Just tap to take their name off the bill.
- All shared expenses are tracked automatically.
Everyone sees:
- what was spent
- who paid
- where
- how it was split
No manual uploads. No forgotten receipts. No mystery charges.
Bonus Features Students Love
Cino Maps — your uni years together, pinned automatically
Wherever your group uses the Cino card, the app drops a pin — giving you a personal map of all your hangouts. It’s like a memory log, but you don’t have to write anything down.
Roulette — the fun way to decide who pays
Tap Roulette and the app randomly picks someone in the group to dodge the bill — perfect for pub rounds, coffee runs or settling house bets.
It’s optional, it’s fair, and it’s very entertaining.
🌍 Free currency conversion — no FX fees, ever
Planning a city break? Interrailing? A cheeky weekend in Barcelona?
Cino has £0 foreign exchange fees, so you can split everything abroad – tapas, taxis, tickets, without paying a penny extra.
A Free Splitwise alternative
How does Cino compare to the most popular bill-splitting app for sharing expenses with housemates?
Splitwise now has ads and paywalls
Many key features require Splitwise Pro (£3.99/month). And you can only add 3 expenses per day before you need to upgrade. Cino is free, and there is no limit on how many expenses you can add – because you don’t need to add them at all!
Splitwise still relies on repayments
It tracks debt, but someone still pays upfront. With Cino, everyone pays at the same time, automatically.
Cino has £0 FX fees
Splitwise doesn’t offer currency conversion on the free plan. Cino doesn’t charge you fees abroad, even if the card you link to Cino does – that can save you up to 3% on every purchase abroad.
Roome x Cino: the perfect match
Roome makes sure you find the right housemates to live with before you move in with. And Cino makes sure you live together in harmony afterwards.
Download Cino here and make bill-splitting the easiest part of student life.
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