Cehko
Srpski
Guide

Cehko step by step

Every feature of the app, in the order you use them. Each part starts on the home screen. The app itself is in Serbian — button names are given in Serbian with the English meaning.

1. Sign up and payment details

You enter your payment details once — from then on they appear on every QR code automatically.

  1. Open the app and tap “Registracija” (Sign up).
  2. Enter your name, email, password, address, city and account number (e.g. 265-1234567-57, or the 18 digits). These go on the QR code so others can pay you.
  3. Accept the privacy policy and terms, then confirm your email with the link we send you.
  4. Sign in. The first time, a short tour (the question mark at the top right) walks you through the home screen.
  5. Change your payment details, theme (light/dark) and notifications later under “Profil” (Profile).

Tip: If a friend invited you, sign up through their link — you both get a month of Premium when you create your first request.

2. A new payment request

A request is an amount to split and the people who pay it.

  1. On the home screen tap “Novi split zahtev” (New split request).
  2. Enter a name (e.g. “Dinner in Dorćol”) and the total — or tap “Skeniraj QR kod računa” (Scan receipt QR code) and scan the QR code on the fiscal receipt; Cehko loads the total and the items.
  3. Optionally choose the event type (night out, dinner, bills, trip, gift, birthday, wedding) and the date.
  4. Add people: search by name if they use Cehko, pick a whole group, or just type a name.
  5. Choose how to split: “Podeli jednako” (evenly) or “Prilagođeni iznosi” (custom amounts) — with a scanned receipt, custom amounts let you tap items to assign them to people.
  6. Tap “Kreiraj zahtev za plaćanje” (Create payment request). Each person gets their own payment link.

Tip: With an even split and no remainder, everyone can use the same QR code.

4. How the person who owes pays

This is done by the person who received the link — no app and no account needed.

  1. They open the link and see how much they owe, to whom and for what.
  2. They tap to show the IPS QR code.
  3. In their banking app they choose “IPS Skeniraj” and scan the code — recipient, account, amount and purpose are filled in.
  4. They confirm the payment in the bank, then tap “Puštena uplata” (Payment released) in Cehko.

Tip: Before confirming in the bank, always check the recipient, account number and amount.

5. Confirming the money arrived

“Payment released” means the person paid — you confirm when the money actually arrives.

  1. When someone releases a payment, you get a notification and the status changes to “Payment released”.
  2. When you see the money in your account, open the request and tap “Potvrdi prijem uplate” (Confirm payment received) — or confirm several people at once.
  3. When everyone is confirmed, the request is paid. You can also close a single debt if you agreed otherwise.

6. Reminders and Cehko replies

Cehko reminds people for you — so you don't have to.

  1. In the request or in “Nije plaćeno” (Not paid) tap the bell next to someone who hasn't paid.
  2. They get a notification (or see it on the payment page) and can reply: “Paying today”, “Paying in X days” or “Releasing the payment in X days”.
  3. The reply comes to you. Tap “Primljeno” (Got it) to let them know you saw it.
  4. If the promised date passes without a payment, Cehko reminds you.

7. Not paid and Dashboard

Two overviews for everything money-related.

  1. “Nije plaćeno” (Not paid) shows everyone who still owes you, by request — send reminders from here.
  2. “Dashboard” shows charts, the status of every request per person, and who is waiting for your confirmation.
  3. Download an Excel report from the Dashboard.
  4. On the home screen the “Šta dugujem” (What I owe) tab shows what others are asking from you.

8. Groups and invites

Save the people you often split costs with.

  1. Tap “Grupe” (Groups) → “Nova grupa” (New group), enter a name (e.g. “Flatmates”) and add members.
  2. Invite others by link, QR code or email — whoever opens the invite joins the group.
  3. In the group tap “Create a request with this group” — all members are already added.
  4. “Poravnaj sve” (Settle everything) works out the fewest payments that close all open debts in the group.

Tip: The free plan includes one group; Premium has no limit.

9. Open collection and birthday surprise Premium

One link for everyone who wants to join — you don't need to know who in advance.

  1. In a new request, under the split options, choose “Otvorena naplata” (Open collection) and enter the amount per person.
  2. Optionally: the birthday person's name (a surprise), a goal with progress, and gift ideas to vote on.
  3. Share one link or QR code — everyone who pays enters their name and, for a surprise, a greeting.
  4. Follow how much has been collected, and after the celebration post a thank-you note on the collection page.

10. Recurring bills Premium

For bills that arrive every month with a different amount.

  1. Create a request of type “Računi” (Bills), enter the bill name (e.g. “Electricity”) and turn on “Ponavljajući račun” (Recurring bill).
  2. Choose the day of the month.
  3. Every month on that day Cehko reminds you — one tap opens a new request with the same people and split; you just enter the new amount.

11. Shared costs Premium

When several people pay for different things and settle up at the end.

  1. Tap “Zajednički troškovi” (Shared costs) and choose: trip, flatmates or monthly costs.
  2. Add members (from a group, by search or just by name).
  3. Log every expense with a description, amount and who paid — in dinars or euros (converted at the middle rate).
  4. At the end tap settle: Cehko shows the fewest payments and turns what others owe you into normal requests with a QR code.

12. Personal QR code

When you pay others (a refund, sharing out a kitty): instead of asking for account numbers, each person sends you their personal QR code.

  1. In “Novi split zahtev” turn on “Personalni QR kod” (Personal QR code) and add people with a Cehko account and the amounts.
  2. Tap “Zatraži personalne QR kodove” (Request personal QR codes). Each person gets an invite on their home screen and accepts — only then do you see their QR code with their account (nobody can collect other people's account numbers).
  3. Scan the QR code in your bank, pay and mark the payment as sent.
  4. The recipient confirms when the money arrives.

13. My savings and Cehko AI

A personal budget: what comes in, what goes out and how much you can save.

  1. Tap “Moja štednja i AI” (My savings and AI) and fill in the short questionnaire (income, fixed costs, daily spending, savings goal).
  2. Enter monthly income and costs; recurring ones (salary, rent, loan) carry over to every new month by themselves.
  3. Add everyday spending with one tap, and log money you put aside as savings.
  4. Cehko calculates a savings plan for the month and, if you like, reminds you to log your spending.
  5. Cehko AI (with your consent) suggests what to buy or cook for the amount you have, using prices from the Cehko price list.

Tip: Cehko AI only receives the amount, the category and your question — never your name or account number.

14. Premium and inviting friends

Free plan: 10 new requests per month and 1 group. Premium unlocks everything.

  1. Premium is bought on cehko.rs/premium and works in the app straight away.
  2. Under “Profil” (Profile) find your invite code and share the link with friends.
  3. When a friend signs up through your link and creates their first request, you both get 30 days of Premium.

15. Privacy, export and deleting your account

Your data is yours.

  1. Under “Profil” (Profile) you can download all your data.
  2. Delete your account under “Profil” → “Brisanje naloga” (Delete account) — your profile, requests, groups, costs and budget are deleted.
  3. What is stored, for how long and why is in the Privacy policy (in Serbian).

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