Split the bill.
Cehko collects.
Dinner, rent, a trip or a gift — enter the amount, add people and send a link. Everyone pays with an IPS QR code in their own bank, and Cehko tracks who paid and reminds the rest for you.
Coming soon to the App Store and Google PlayHow it works — 4 steps
No maths, no copying account numbers and no awkward messages.
Create a request
Enter the amount or scan the QR code on the fiscal receipt, add people and choose how to split: evenly, different amounts or item by item.
Send the link
Everyone gets their own link via WhatsApp, Viber or SMS. They don't need the app or an account to pay.
Pay with a QR code
They open the link and scan the NBS IPS QR code in their banking app — recipient, account, amount and purpose fill in by themselves. Works with every bank in Serbia.
Cehko tracks payments
See who paid and who didn't. Cehko sends the reminders — with a bit of attitude — and you just confirm when the money arrives.
Banks and how the money moves
Cehko is not a bank and never moves money. You pay the way you always do — in your own bank's app.
Cehko never touches your money
Money never passes through Cehko. Cehko only puts the exact payment details into an NBS IPS QR code and tracks who paid. You make the payment in your own bank, and the money moves through the National Bank of Serbia's IPS system — straight from your account to the recipient's.
The path of one payment
Cehko prepares the order
Recipient, account number, amount and purpose go into an IPS QR code — nothing to copy by hand.
You pay in your bank
Choose “IPS Skeniraj” in your banking app and confirm the order like any other, with your own login and PIN.
The banks move the money
The payment goes through NBS IPS, the National Bank of Serbia's instant payment system, and reaches the recipient in seconds — 24/7, every day.
Cehko keeps track
Mark that you paid, and the recipient confirms when the money arrives. Cehko never sees your bank account or balance.
Supported banks
IPS Skeniraj
IPS Skeniraj
IPS Skeniraj
IPS Skeniraj
IPS Skeniraj
IPS Skeniraj
IPS Skeniraj
IPS Skeniraj
The NBS IPS QR code is the National Bank of Serbia's national standard, so it works in the app of every bank in Serbia that offers IPS payments — these are just some of them.
What Cehko supports
- Recipient accounts at every bank in Serbia
- NBS IPS payment QR codes — instant, 24/7, every day
- Payments in dinars — trip expenses can also be entered in euros
- No cards and no Cehko commission — your bank charges only its usual fee, if any
- iPhone and Android, and the payment link opens in any browser
Everything Cehko does
Every feature is on the home screen — no hidden menus.
Payment requests
Split evenly, by different amounts or by receipt items. Add the event type (night out, dinner, bills, trip, gift) and date for a clear overview.
Receipt scanning
Scan the QR code on a fiscal receipt (or photograph a receipt without one) — Cehko loads the total and the items, and you assign them to people. Each person's amount is calculated for you.
NBS IPS QR code
Every link has an IPS QR code in the National Bank of Serbia standard — it works in every bank. Only the person the link was meant for sees your account number.
Reminders with attitude
Nudge everyone who hasn't paid with one tap. They answer “Paying today” or “Paying in a few days” — so you know where you stand.
Not paid
Everyone who owes you, in one place, with the number of reminders and their replies.
Dashboard and Excel
Spending charts, the status of every request per person, and an Excel export.
Groups and invites
Save your crew, flatmates or family and invite them by link, QR code or email. A request for the whole group in seconds.
Settle everything
When debts pile up in a group, Cehko works out the fewest payments that make everyone even.
Open collections and surprises
One link for everyone: a birthday gift, a shared kitty or tickets. Greeting cards, gift voting and a goal with progress.
Recurring bills
Electricity, internet, rent — Cehko reminds you every month to send the request to the same people.
Shared costs
A trip, flatmates or monthly costs: everyone logs what they paid, and at the end one settlement with the fewest payments. Works in euros too.
Personal QR code
When you pay others: each person accepts and shares their personal QR code with their own account — you scan it and pay, and they confirm receipt.
My savings and Cehko AI
Income, fixed costs and daily spending, a savings plan and reminders. Cehko AI suggests what to buy or cook within your budget.
Cehko price list
Average prices of basic groceries in Serbia from retailers' open data — for a realistic spending plan.
Light and dark theme
The app follows your phone or you choose. You can restart the app tour at any time.
For every situation
Nights out and dinners
One person pays, the others pay back — no maths on a napkin.
Flatmates
Rent, electricity, internet and shared shopping every month.
Trips
Fuel, accommodation and tickets — settle up at the end.
Gifts and birthdays
Collect money for a gift while the birthday person knows nothing.
Family
Shared bills and costs, clearly in one place.
Safe and simple
Money goes directly
Cehko never holds your money. You pay in your own bank, straight to the account of the person you owe.
Your data is encrypted
Name, address, account number and amounts are stored encrypted, and the QR code is shown only to the right recipient of the link.
Privacy first
Download all your data or delete your account with all its data whenever you want.
Frequently asked questions
Does Cehko charge or move money?
No. Cehko creates a QR code with the payment details, and you pay in your own banking app, directly to the person you owe. Cehko never sees or holds the money.
Do the people paying need the app?
No. They get a link, open it in the browser and scan the QR code. If they have a Cehko account, they also see the request in the app under “What I owe”.
Which banks read the QR code?
Every bank in Serbia — Cehko creates an NBS IPS QR code, the same standard as “IPS Skeniraj” in your banking app.
How do I know someone paid?
When they pay, they tap “Payment released”. You see the payment is on its way, and when the money actually lands, you tap “Confirm payment received”.
Can I split a receipt item by item?
Yes. Scan the receipt, Cehko reads the items, and you tap to assign each item to a person (or several). The amounts are calculated for you.
What about my data?
Personal data and amounts are stored encrypted. In your profile you can download all your data or delete your account. Details are in the Privacy policy.