Zero Balance · 100% Online · For Couples
India's only joint account built for couples. Open in 60 seconds — no branch visit, no minimum balance, matching cards for both partners.
Issued by LivQuik Technology (India) Pvt Ltd · RBI-authorized PPI issuer
Zero balance. Zero paperwork. Open in 60 seconds.
Minimum balance
Open and keep active with zero rupees
Account opening
Complete KYC and open entirely in-app
Matching RuPay cards
One card per partner, shared wallet
Joining rewards
At Zomato, Netflix, OYO, IndiGo & more
4 steps. Under 60 seconds. Entirely online.
Download Coupl
Available on iOS and Android. Free to download.
Complete your KYC
Enter your Aadhaar and PAN. Takes under 60 seconds.
Invite your partner
Send an invite link. Your partner completes their KYC.
Get your matching cards
Both partners receive a RuPay debit card. Add money and start spending together.
Why couples choose Coupl over HDFC and SBI joint accounts.
Data from public bank websites as of April 2026. Subject to change.
Traditional joint accounts require both of you to visit a branch, bring original documents, and wait days for approval. Coupl opens in 60 seconds from your phone.
Most banks only open joint accounts for married couples or family members. Coupl is open to all couples — married, dating, live-in, or same-sex — with no proof of relationship required.
Traditional joint accounts issue one card per account. Coupl gives each partner their own matching RuPay debit card, so both can spend independently from the shared pool.
Coupl's in-app shared transaction history shows every spend from the joint wallet in real time — no manual spreadsheets, no end-of-month arguments.
Yes. Coupl lets you open a zero balance joint account entirely online in under 60 seconds using Aadhaar and PAN. No branch visit required.
Coupl is the only purpose-built zero balance joint account for couples in India — matching RuPay cards for both partners, shared tracking, and up to ₹50,000 in rewards.
Most traditional banks require ₹5,000–₹25,000 minimum balance for joint accounts. Zero balance joint accounts are rare and typically only available as salary accounts at traditional banks.
Coupl is a PPI issued by LivQuik Technology (India) Pvt Ltd, an RBI-authorized PPI issuer. Funds are held under RBI regulation but are not DICGC-insured (unlike bank savings accounts).
Each partner needs a valid Aadhaar number and PAN card for individual KYC. No physical document submission — everything is verified digitally in-app.
60 seconds. No branch visit. No minimum balance. Open to all couples.
Also see: Best joint account alternatives for couples in India