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 ₹50,000 in joining rewards when you and your partner sign up.
Pool together · 01

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

Say goodbye to splitting transactions.

Quit the receipt → Splitwise → settle-up loop. One pool, one statement, one happy couple.

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.

"
No more fighting over who pays for what. We just spend — and it works.
Get started · 02

Four steps.
Sixty 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 physical RuPay debit cards, delivered to your doorstep in 5–7 days.

04

Pool & spend together

Top up your shared wallet and start spending — anywhere RuPay is accepted.

The hardware · 03

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 · 04

Joint account, shared rewards.

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

Airport lounges
OTT credits
Hotel cashback
Date-night perks
Anniversary bonus
1% on every swipe
Backed by
Y CombinatorEntrepreneur First
Real couples

Why couples love us.

★★★★★

Keeping track of our finances was a mess until we found Coupl. We pool what we need at the start of the month and stop worrying.

★★★★★

We travel a lot and Coupl has genuinely improved every trip. The rewards stack and we never split anything manually.

★★★★★

Feels like a relationship upgrade. We talk about money more openly — and weirdly, fight about it less.

Good questions

Frequently asked.

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.
Coupl is a Prepaid Payment Instrument (PPI) — your money is held with our regulated banking partner. PPIs are not covered under DICGC.
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.