One pooled balance both partners add to and spend from — with matching RuPay cards and every transaction visible in real time. Open in 60 seconds, zero minimum balance.
Issued by LivQuik Technology (India) Pvt Ltd · RBI-authorized PPI issuer
Everything you both spend on, in one place.
Pooled balance
Both partners add and spend from one wallet
Matching RuPay cards
One card each, linked to the shared pool
Minimum balance
Open and keep active with zero rupees
Setup time
Open entirely in-app, no branch visit
4 steps. Under 60 seconds. Entirely online.
Download Coupl
Available free on iOS and Android.
Complete your KYC
Enter Aadhaar and PAN. Takes under 60 seconds.
Invite your partner
Send an invite link. Your partner completes their own KYC.
Fund and spend together
Add money to the shared wallet. Both partners spend with matching RuPay cards.
Why couples pool shared spending into one wallet.
| Feature | Coupl shared wallet ★ | Two separate accounts |
|---|---|---|
| Balance model | One shared pool | Two separate balances |
| Cards | Matching card for each partner | Own card only |
| Shared expense view | ✅ Real-time, combined | ❌ None |
| Settle-up needed | ✅ Never | ❌ Constant pay-me-back |
| Minimum balance | ₹0 | Varies by bank |
| Time to open | 60 seconds | Instant (already have it) |
Rent, groceries, utilities, subscriptions — anything you both pay for lives in one wallet, so neither partner is stuck fronting it.
No spreadsheets, no pay-me-back messages, no end-of-month reconciliation. Both partners see the same live history.
You don't need a marriage certificate to share money. Coupl is open to all couples with no proof of relationship.
Keep your own accounts for personal spending and salary. Use the shared wallet only for what you spend together.
A shared wallet is a single pooled balance two people can both add money to and spend from. Coupl gives each partner a matching RuPay card linked to the same pool, so both can pay independently while seeing every transaction in real time.
It works like a joint account — one balance, two cardholders — but Coupl's shared wallet is a Prepaid Payment Instrument (PPI) issued by LivQuik Technology (India) Pvt Ltd, an RBI-authorized PPI issuer, not a bank account. It opens in 60 seconds with no branch visit.
Yes. Both get their own matching RuPay card linked to the same balance and can spend independently, online or offline, anywhere in India.
No. Coupl's shared wallet has zero minimum balance — open it and keep it active with ₹0.
Any two partners in India — married, dating, live-in, or same-sex. Coupl is built for couples and requires no proof of relationship.
60 seconds. Zero balance. Matching cards for both partners.
Also see: Bill split app for couples·RuPay joint card·Zero balance joint account