Seed · Payments & Banking · Tallinn, Estonia · Founded 2022 · 11–50 employees
Cino is a fintech company that provides a real-time group payment and bill-splitting application designed to simplify shared expenses for couples, roommates, and friend groups. By connecting their existing bank cards to the app, users can set custom split ratios and make purchases with a shared virtual Visa debit card. During transactions, each user's exact share is automatically and securely deducted directly from their personal bank account. The company has demonstrated strong institutional backing, securing a 3.5 million euro seed round led by Balderton Capital in March 2025. Additionally, the startup was recognized as the overall winner of the Mastercard Lighthouse FINITIV program in Spring 2023.
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