Cino

Each private group creates a virtual card connected to the members' individual bank accounts, not a pooled deposit. Members choose an auto-split ratio for each transaction — for example, 50/50 for dining or 40/60 for rent. When any member pays with the card, Cino debits only each person's predetermined fraction from their linked account. Users can change ratios before or after a payment and set per-transaction or monthly spending caps.

Cino's website lists 30 launch countries spanning the EU, the European Economic Area, and the UK, including Germany, France, Spain, Italy, the Nordics, and the Baltic states. The firm is currently collecting early-access registrations for the UK market. No live product is yet confirmed to be processing transactions as of mid-2026.

No — Cino does not hold deposits and is not a bank. Each user connects an existing personal bank account, and Cino initiates debits for only the fraction of a shared transaction that corresponds to the user's chosen split ratio. The company states that no one, including Cino, can see another group member's account balance.

Cino's website states the product is fully compliant with the highest PCI standards in Europe. It emphasizes that all transactions remain private and that only group members who actively connect their bank accounts can use the shared card. No details on regulatory licenses, supervisory authority registration, or third-party audit reports are publicly available as of mid-2026.

Cino has not publicly disclosed the names of any founders, executives, or team members, nor has it published a headquarters location. No LinkedIn page is indexed in Altss records. The company's website offers no press contact, team page, or investor list.