Zero-balance · Joint account

Money,
built for two.

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

Powered by
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
J
V
Hi, Janvi & Vinit
Joint balance
0
JANVI & VINITRuPay»
Add
Send
Stats
ActivityLive
S
Swiggy
VDinner · just now
−₹680
Top-up
JFrom Janvi · 3 min
+₹5,000
M
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.

0s

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

Inclusive · For everyone

Love knows no boundaries — 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.

01

Create your account

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

02

Invite your partner

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

03

Get matching cards

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

04

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.

Coupl card — Neha
Coupl card — Varun

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.

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 · 05

Getaways, better together.

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

No minimum spend or nights · T&C apply
Backed by
Y Combinator
Entrepreneurs First
Play Capital
BITS Pilani

and angels from

UberMetaAmazonJP Morgan
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.

★★★★★

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.

★★★★★

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

★★★★★

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.

★★★★★

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.

★★★★★

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.

★★★★★

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.

★★★★★

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.

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.