A complete worked example, from the restaurant to a settled balance.
The situation
Dinner for four. The bill is €96. You paid the whole thing with your card. The other three are Marco, Aya and Sam.
1. Add the expense
Tap Add and choose Expense.
Amount: 96
Currency: EUR
Description: "Dinner at Kaffa"
Date: tonight
2. Say who paid
You paid all of it, so leave yourself as the single payer for the full €96.
If two of you had split the card — say you put in €60 and Marco €36 — you would add both as payers. What the payers put in has to add up to the total.
3. Add the people
Add Marco, Aya and Sam alongside yourself. Four people share this bill.
If they are not in your list yet, add them as placeholders — just names, no accounts needed. If all three were on a trip together, a Circle would add them in one tap.
4. Choose the split
Everyone ate roughly the same, so use Equal. €96 ÷ 4 = €24 each.
Save it.
5. What just happened
You paid €96 and your own share was €24, so you are €72 out of pocket — and that is split across three separate balances:
Marco owes you €24
Aya owes you €24
Sam owes you €24
Not one €72 debt. Three pairwise balances, because balances always live between two people.
6. Someone pays you back
Marco sends you €24 the next day. Record a Transfer:
From: Marco
To: you
Amount: €24
Your balance with Marco now reads Settled up. The dinner and the repayment both stay in your shared timeline — settled does not mean deleted.
Aya and Sam still owe €24 each, untouched.
If it hadn't been equal
Say Sam only had a starter and everyone agreed he owed €12. Use Custom amounts instead and enter each share by hand — they must add up to €96. So €28 each for you, Marco and Aya, and €12 for Sam.
For a long bill with wildly different orders, itemize it or let people claim their own share instead.
The faster version
Next time, photograph the receipt first. Receipt scanning fills in the amount, currency, date and title, and you go straight to picking people and a split.