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European startup Cino revolutionizes bill-splitting with real-time shared payment app
While Venmo or Splitwise are great for tracking debts, they fall short when it comes to splitting bills at the moment of payment. Enter Cino, a European startup that has raised €3.5 million in seed funding to change the game. Led by London’s Balderton Capital, Cino’s innovative app allows groups to split bills and pay directly from their preferred bank account or wallet.
Founded in Estonia and operating in Europe since 2023, Cino is now expanding to the U.K. under the leadership of CEO Elena Churilova and COO Lina Saleh. The app is gaining popularity among Gen Z, who seek to avoid financial awkwardness and prefer more modern payment solutions.
Tech and VC heavyweights join the Disrupt 2025 agenda
Users can connect their cards to the mobile app to create a virtual card, join payment groups, and set custom split ratios. Payments are automatically deducted at checkout, and all transactions are visible in the group feed. Cino is experiencing rapid growth in markets like Finland and Italy, with users averaging 17 transactions per month totaling up to €3,000.
