Coupl: Joint Banking

Coupl Software India Private Limited

About this app

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, cashbacks, and rewards.