Coupl (spelled C-O-U-P-L, pronounced "couple") is India's first zero-balance digital joint account for couples, built by Coupl Software India Private Limited. Coupl is a brand name, not the English word "couple" — it's the app couples use to open a shared account in 60 seconds, get two matching RuPay debit cards, track shared expenses in real time, and earn up to ₹50,000 in rewards. Coupl is backed by Y Combinator and Entrepreneur First. Download the Coupl app on iOS or Android, or visit coupl.money.

Is Coupl the same as "couple"?

No. Coupl is a brand and company name (Coupl Software India Private Limited), deliberately spelled without the final "e". If you searched "coupl" and Google showed results for "couple", you're in the right place — Coupl is the couples' joint-banking app at coupl.money. Coupl offers a zero-balance shared wallet with matching RuPay cards for both partners.

What is the best app for couples money management in India?

Coupl is India's leading couples money management app. It provides a zero-balance shared wallet (digital joint account) with two matching RuPay debit cards, real-time shared expense tracking, joint bill payments, and 1% cashback on all card spends — all opening in under 60 seconds via Aadhaar e-KYC. Unlike traditional bank joint accounts at SBI or HDFC, Coupl requires no branch visit, no minimum balance, and is open to all couples — married, dating, live-in, or same-sex.

What is a shared wallet for couples in India?

A shared wallet for couples is a joint digital account where both partners add money, spend using linked debit cards, and see all transactions in real-time. Coupl's shared wallet is a zero-balance Prepaid Payment Instrument (PPI) issued by LivQuik Technology (India) Pvt Ltd, authorised by the RBI. Both partners get matching RuPay debit cards, earn 1% cashback on every spend, and manage shared bills and household expenses from one place.

Can unmarried couples open a Coupl account?

Yes. Coupl is open to all couples — married, in a long-term relationship, dating, or same-sex. You do not need to prove marital status to open an account.

Which bank is Coupl partnered with?

Coupl accounts are issued by LivQuik Technology (India) Pvt Ltd, an RBI-authorized Prepaid Payment Instrument (PPI) issuer. Coupl Software India Pvt Ltd is not itself a bank.

Is my money insured with Coupl?

Coupl is a Prepaid Payment Instrument (PPI), not a savings bank account, so funds are not covered under the DICGC ₹5 lakh deposit insurance scheme. Your money is held by LivQuik, a regulated RBI-authorized entity.

What happens to the account if we separate?

Either partner can close the account at any time through the app. Funds remaining in the joint wallet will be returned to the partner who initiated the closure, per the Terms of Service.

Is there a minimum balance requirement?

No. Coupl requires zero minimum balance. You can open your account and keep it active with ₹0.

How is Coupl different from a regular joint account at SBI or HDFC?

Traditional bank joint accounts require both holders to visit a branch, submit extensive KYC, and are typically limited to married couples or family members. Coupl opens in 60 seconds entirely in-app, is available to all couples, and comes with matching RuPay debit cards and a shared rewards program.

Can same-sex couples use Coupl?

Yes. Coupl is fully inclusive — available to all couples regardless of gender or sexual orientation.

What cards do you get with Coupl?

Each partner receives a matching RuPay debit card that draws from the shared joint wallet. Both cards can be used for online and offline purchases across India.

Zero-balance · Joint account

Money,
built for two.

Coupl is India's first zero-balance digital joint account for couples. Open jointly in < 60s. Get matching RuPay cards. Pool, spend, and earn together.

Get the app How it works

RuPay»NPCIBharatBillPay

Earn up to 1% cashback on all card spends, together.

Pool together

One balance.
Two cards.
Zero math.

A shared digital account that lives in your phone. Top up once, spend together, see every transaction in real-time on both ends.

Vinit paid Swiggy
2 seconds ago

Coupl

•• 1208

Synced · just now

9:41

Hi, Janvi & Vinit

Joint balance

₹0

JANVI & VINITRuPay»

Add

Send

Stats

ActivityLive

Swiggy

VDinner · just now

−₹680

↓

Top-up

JFrom Janvi · 3 min

+₹5,000

MakeMyTrip

JGoa weekend · yesterday

−₹12,000

No more screenshots

Shared expenses. Automatically tracked.

No receipts → No manual entries → No Splitwise updates → Just one shared wallet and one real-time view of your spending.

Lightning fast

From signed-up
to spending in 60s.

Aadhaar e-KYC, no paperwork, no branch visits. Just download, invite, swipe.

Inclusive · For everyone

Love knows no boundaries, and neither does banking.

Married, dating, long-distance, same-sex: Coupl is for anyone in a relationship.

Not hitched? Not a problem.

For every kind of relationship.

New, decade-long, or somewhere in between. Open jointly, close anytime. No questions asked.

Get started

Four steps.
60 seconds.

Create your account

Download the Coupl app, sign up with your Aadhaar. Sixty seconds, tops.

Invite your partner

One tap, one share link. They sign up, and your joint account is live.

Get matching cards

Two virtual RuPay debit cards activated immediately, delivered to your doorstep in 5–7 days.

Spend together

Top up your shared wallet and start spending, anywhere.

Joint Cards.

Two matching RuPay debit cards. One shared wallet. Every swipe pings both of you.

Pay every shared bill in one place

Electricity, internet, rent, OTT. Schedule once, split forever.

Real-time activity

Every tap, swipe and online payment, instantly mirrored.

Limits & alerts

Daily caps, category limits, instant pings for both.

Clean statements

Shared spends stay separate from your personal account.

RBI-regulated

Issued by an RBI-authorized PPI partner. Bank-grade security.

Prepaid UPI · 03·2

One wallet. Two UPI IDs.

Turn your joint balance into a prepaid wallet on UPI. Link it once through BHIM — you and your partner each get a handle, both spending from the same shared pool.

Me Us

Link Prepaid Account

Payment & Transfers

To mobile

To bank

Approve

Pocket Money

Bills

Recharge

Autopay

Analytics

Payment Methods

AXIS BANK~~XX6045~~

DEFAULT

RuPay credit card ✦

Add new RuPay credit card

Prepaid Account ✦

Add new prepaid account

Choose Primary App ✦

▲

BHIM

DEFAULT

Introducing

Prepaid Wallet

₹

Use your Prepaid Payment Instrument (PPI) to send and receive UPI payments through BHIM.

✦ Pay using your prepaid balance on UPI

✦ A simple, secure way to pay

✦ Works across all UPI QR codes

Enable Now

Select Bank

Choose your bank

Select which bank you have an account with

Search bank

Coupl Wallet

EBIX PAYMENT SERVICES PRIVATE LIMITED

LIVQUIK TECHNOLOGY INDIA PVT LTD

UPI▶

UNIFIED PAYMENTS INTERFACE

Add Card

Add your debit card to link the Coupl Wallet

Coupl.

5241 •••• •••• 6045

VALID THRU
09/29 RuPay

CARD NUMBER

5241 0042 8851 6045

EXPIRY

09 / 29

Proceed

Verify

Enter OTP

Sent to +91 98765 ••210 by your bank

Didn't get it? Resend in 0:24

Verify & Link

Coupl Wallet linked

Your prepaid account is verified and ready. Pay on UPI straight from your shared balance.

Coupl Wallet~~varun@coupl · neha@coupl~~

Two of you.
One shared balance, on UPI.

Your Coupl wallet is a single prepaid account — but it issues a UPI handle for each of you. Scan any QR, split nothing afterwards. It all draws from the same pool.

Coupl Wallet BHIM · UPI

₹40,000

Shared joint balance · live

Neha

neha@coupl

Varun

varun@coupl

BHIM Linked once · interoperable across every UPI app

Pay from the shared pool

Both handles draw on the same prepaid balance — no top-ups to track, no “who paid?” afterward.

Two handles, one balance

Each partner gets their own @coupl UPI ID. Send, receive, and scan independently.

Works on every UPI QR

Money Manager · 03·3

Every spend, in sync.

Scan any QR and pay from your Coupl wallet through BHIM. The second it's done, the spend lands in Money Manager — and your stats wheel recalculates in real time.

BHIM N Neha

Scan & Pay

The Bombay Canteen

₹4,200

From Coupl Wallet ▾

Paid ₹4,200The Bombay Canteen

BHIM V Varun

Scan & Pay

Blue Tokai Coffee

₹3,800

From Coupl Wallet ▾

Paid ₹3,800Blue Tokai Coffee

₹

5:37

Money Manager

StatisticsTransactions

Total spends ₹13,300 14 spends · June

Budget left ₹21,700 View →

38% Budget utilized

Dining Stays Travel

Recent activity Live

Blue Tokai Coffee

Coupl Wallet · BHIM · yesterday

−₹540

Successful

BookMyShow

Coupl Wallet · BHIM · 2 days ago

−₹1,160

Successful

The perks

Joint account, shared rewards.

Earn perks every time you spend together. From airport lounges to OTT credits, better together, literally.

1% on every swipe

Hotel cashback

Date-night perks

Airport loungesComing Soon

OTT creditsComing Soon

NCMC benefitsComing Soon

Travel partners

Getaways, better together.

Book handpicked luxury villas through Coupl and unlock up to 10% off — exclusive couple rates with our travel partners.

LOHONO Stays × Coupl

Exclusive 4.9 (320+)

Goa · Alibaug · Lonavala Private pools

Handpicked luxury

Up to 10% off
Lohono Stays

Coupl Card 10%off For Coupl prepaid cards

Any card 7.5%off All payment methods accepted

Book on Lohono

Pay & book directly on Lohono · apply your Coupl code at checkout

elivaas Getaways × Coupl

Exclusive 4.8 (210+)

Goa · Lonavala · Udaipur Whole-villa stays

Immerse yourself in luxury

Up to 10% off
Elivaas Getaways

Coupl Card 10%off For Coupl prepaid cards

Any card 7.5%off Clubbable with Axis, ICICI & HDFC offers

Book on Elivaas

Pay & book directly on Elivaas · apply your Coupl code at checkout

No minimum spend or nights · T&C apply

Backed by

and angels from

Uber

Amazon

Real couples

Why couples love Coupl.

★★★★★

I've tried several financial tools, but this app is in a league of its own. What used to be a chore (checking balances, moving funds, tracking expenses) now takes seconds and actually feels satisfying. The interface is slick and fast, but it's the peace of mind that really wins me over.

Ruchi & DeepMarried · Bengaluru

★★★★★

Tried Coupl with my partner and it just works. No more 'you owe me' texts. We dump all our expenses in one place, split stuff easily, and actually stick to budgets now. Lifesaver for couples who share money.

Dhanush & BhumikaDating · Delhi

★★★★★

Very good solution for couples trying to manage expenses and stay together without having to note everything down on Splitwise.

Asi & SathvikEngaged · Bengaluru

★★★★★

My flatmate and I were tired of manually logging every milk packet or electricity bill on Splitwise. We use Coupl as our 'house wallet'. We both top it up at the start of the month and use the card for everything shared. Way cleaner, and it keeps our personal statements from looking like a mess.

Saurabh & SuryaFlatmates · Mumbai

★★★★★

My wife and I were constantly wondering: where does all our money go? Coupl tracked all our home expenses in one place and gave us the epiphany: 'Oh, that's where it all went.' Easy to use, and it actually works to track and manage expenses.

Siddharth & PrajaktaMarried · Ernakulam

★★★★★

Best application for couples to manage their expenses. I was looking for a bank account, but unfortunately no bank gives us an option like this Coupl app.

Sathya & SinduMarried · Hyderabad

★★★★★

This app is absolutely brilliant! As a married couple, we've struggled with managing shared expenses for years. Coupl has completely transformed how we handle our finances together.

Bhushan & VinitaMarried · Ludhiana

★★★★★

Coupl has revolutionized how my partner and I manage our finances. Setting up a zero-balance joint wallet took less than a minute. The linked virtual RuPay cards make shared expenses seamless, and in-app bill payments centralize our utilities. Coupl truly understands modern couples' needs.

Manish & RiyaEngaged · Jaipur

Good questions

Frequently asked.

Coupl is India's top-rated couples money management app. It gives both partners a zero-balance shared wallet, two matching RuPay debit cards, real-time joint expense tracking, and 1% cashback on every spend, all set up in under 60 seconds with Aadhaar. No branch visit, no minimum balance, open to all couples.

Absolutely. Coupl is open to every couple: same-sex, long-distance, married, dating. Love is love, and so is banking.

Coupl accounts are issued by LivQuik Technology (India) Pvt Ltd, an RBI-authorized PPI issuer, and are powered by RuPay, NPCI and BharatBillPay.

Never. Coupl is a zero-balance joint account. No maintenance fees, no surprise charges.

Mobile-first, 60-second Aadhaar e-KYC, matching cards, real-time joint feed, and built specifically for shared spending, not just shared signatures.

Two matching physical RuPay debit cards, plus virtual cards instantly inside the app. Both linked to the same joint wallet.

Money,built for two.

One balance. Two cards.Zero math.

Shared expenses. Automatically tracked.

From signed-upto spending in 60s.

Love knows no boundaries, and neither does banking.

For every kind of relationship.

Four steps.60 seconds.

Create your account

Invite your partner

Get matching cards

Spend together

Joint Cards.

Pay every shared bill in one place

Real-time activity

Limits & alerts

Clean statements

RBI-regulated

One wallet. Two UPI IDs.

Payment & Transfers

Two of you.One shared balance, on UPI.

Pay from the shared pool

Two handles, one balance

Works on every UPI QR

Every spend, in sync.

Joint account, shared rewards.

Getaways, better together.

Up to 10% offLohono Stays

Up to 10% offElivaas Getaways

Why couples love Coupl.

Frequently asked.

Money,
built for two.

One balance.
Two cards.
Zero math.

From signed-up
to spending in 60s.

Four steps.
60 seconds.

Two of you.
One shared balance, on UPI.

Up to 10% off
Lohono Stays

Up to 10% off
Elivaas Getaways