Zero Balance Joint Account & Expense Tracker for Couples
Coupl is India’s first digital Joint Account app for couples. Open a zero balance joint account online in under 60 seconds and manage shared finances effortlessly.
Coupl combines a joint wallet, RuPay cards, expense tracker, budgeting tools, bill payments, and contactless payments - all in one secure money management app for couples.
Whether you're married, dating, moving in together, or sharing rent and bills, Coupl helps you split expenses, track spending, and stay financially aligned.
Open a Zero Balance Joint Account Online
• 100% digital onboarding
• Zero balance joint wallet
• Instant partner invite and linking
• No paperwork. No branch visits.
Say goodbye to waiting days to open a traditional joint bank account.
Shared Wallet with RuPay Cards
• Get two virtual and physical RuPay Platinum cards
• Use your Coupl card for online shopping and offline payments
• Top up your wallet instantly using UPI
• Pay electricity, water, gas, and other utility bills
Coupl makes managing shared expenses simple and transparent.
Tap to Pay with Google Pay (GPay)
Add your Coupl RuPay card to Google Pay and enable NFC Tap to Pay for secure contactless payments.
Just tap your phone at any offline store that accepts contactless cards and pay instantly. No need to carry a wallet or physical card.
Coupl supports seamless offline transactions across India.
Expense Tracker & Budgeting App for Couples
Coupl is more than just a joint account - it’s a complete expense tracker and budgeting app for couples.
• Automatic expense categorisation
• Real-time transaction tracking
• Spending insights and statistics
• Smart budgeting tools
• Set limits and control shared expenses
Track expenses, split bills automatically, and plan your finances together with full visibility.
Built for Every Kind of Couple
• Married couples
• Dating partners
• Couples moving in together
• LGBTQ+ couples
• Flatmates managing shared costs
If you’re looking for a joint account app, split expenses app, shared wallet, or couple budgeting app - Coupl is designed for you.
Safe, Secure & RBI-Compliant
We partner with RBI-licensed institutions to ensure your money is secure.
• Bank partners: LivQuik, IDFC First Bank
• Bill payments partner: Bharat BillPay by NPCI
• Card network partner: RuPay Platinum
All user data is stored in accordance with RBI guidelines.
Coupl is not a bank. The Joint Wallet and Cards are issued through our regulated banking partners.
Earn Rewards When You Spend Together
• Cashback from brands like Swiggy, BookMyShow and others
• Rewards on transaction milestones
• Exclusive travel discounts on ELIVAAS
Couples have evolved. Traditional joint accounts haven’t.
Download Coupl today and open your digital joint account in under 60 seconds.
Manage money together. Spend smarter. Stay in sync.
We continuously partner with brands couples love to bring more savings, cashback, and rewards.
Since me and my partner had the thought of long term savings, we found it hard to get apps which support shared / joint accounts rather than getting one person account or joint bank accounts. We really found this app “Life saver”, and I mean it as these are towards life savings. Man oh mahn, seamless onboarding and proper guidance from the head of the company till the customer service. Hey folks, trust me, if you are looking for shared savings and proper expenses, give it a try, you’ll love it, else the blame’s on me! Hoping to see more and more features on the app!🤍
Developer Response
Dear Esteemed User, thank you for your positive feedback! We're thrilled to hear that you and your partner have discovered Coupl as a solution for managing and tracking your joint expenses. We appreciate your support and look forward to serving you further 👍
Best App for Couples, Friends and Family
Kuntalk
The Coupl app offers a smooth and user-friendly experience that makes managing finances effortless. The separate card facilities for me and my partner are truly impressive, allowing us to handle our expenses independently while staying connected. The NFC feature is another standout addition, making payments quick and convenient. Overall, it feels like a safe and secure platform to keep your money, and an excellent choice for couples, friends, and families who want a smarter way to manage payments and finances.
Developer Response
Dear Esteemed User, thank you for your positive feedback! We appreciate your support and look forward to serving you further 👍
Scan and pay missing !
Kichu N
Really loved the concept of a shared couple wallet and the UI is honestly great. Setup, shared balance and card features worked well for us too. But the biggest missing feature right now is proper UPI Scan & Pay support. Since QR payments are how most people spend daily in India, the app feels incomplete without it. We were actually planning to use Coupl regularly for our shared food/date expenses, but due to this missing feature we’re unable to fully switch and continue using it as our main shared account. Hoping the team adds full UPI support soon because the idea behind this app is genuinely amazing.
Developer Response
Dear Esteemed User, thank you for your positive feedback! We appreciate your support and look forward to serving you further 👍 We are launching Joint UPI feature super soon. In final testing stages with BHIM!
Really Loved Using Coupl
suryapts007
My flatmate and I were getting so tired of manually logging every single milk packet or electricity bill on Splitwise and then settling up at the month-end. We started using Coupl as our 'house wallet'—we both just top it up at the start of the month and use the card for everything shared. It’s way cleaner and keeps our personal bank statements from looking like a mess. Highly recommend if you’re living with someone and want to keep things simple.
Developer Response
Dear Esteemed User, thank you for your positive feedback! We appreciate your support and look forward to serving you further 👍 We are launching Joint UPI feature super soon. In final testing stages with BHIM!
Fresh improvements and fine-tuned updates across the app for an even more seamless experience.
Version 2.37.17
The developer, Coupl Software India Private Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Financial Info
Contact Info
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Provider
COUPL SOFTWARE INDIA PRIVATE LIMITED
Size
76.7 MB
Category
Finance
Compatibility
Requires iOS 12.4 or later.
iPhone Requires iOS 12.4 or later.
iPod touch Requires iOS 12.4 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
