Coupl
Banking designed for Indian couples.
Coupl is a zero-balance digital joint account for couples in India, designed to replace manual expense splitting with a single shared wallet. It is issued by LivQuik Technology (India) Pvt Ltd, an RBI-authorized PPI issuer, and powered by RuPay, NPCI and BharatBillPay. The account is opened jointly using Aadhaar e-KYC, with no branch visit or minimum balance required.
The product provides two matching RuPay debit cards linked to one shared balance, with transactions mirrored in real time to both partners. It includes bill payments for utilities, rent and OTT services, daily spending caps and category limits, and a Money Manager module that tracks spending and budget usage. The shared wallet can be linked to BHIM as a prepaid UPI account, issuing a separate @coupl UPI handle for each partner while drawing on the same balance. Spending earns cashback, and the app offers partner offers on travel stays.
Coupl is intended for couples of any relationship status, including married, dating, long-distance and same-sex couples, as well as flatmates. It is available as a mobile app on iOS and Android. The pages do not specify a free plan, trial, editions, or seat-based or usage-based pricing.
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