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Banking designed for Indian couples.
Coupl is a digital joint account for Indian households. We help couples and families easily manage their shared and household payments from one shared account. Over 20 million Indians marry each year, creating a $300 billion market opportunity in household expenses. Couples juggle multiple accounts, cards, and expense-tracking tools. Joint accounts involve lengthy paperwork, rejections, and minimum balance requirements, making them inconvenient for modern couples. Beyond married couples, this need extends to engaged partners, live-in couples, roommates, and families seeking simpler ways to manage shared expenses. Coupl offers a digital, zero-balance joint account with co-branded debit cards and in-app bill payments, set up in just 60 seconds. Couples can use the account for all shared expenses, with an analytics dashboard to help them stay on top of their finances. Coupl is powered by RuPay, NPCI and IDFC FIRST Bank.
Coupl is an India-based couples money management app that provides a zero-balance shared wallet with two matching RuPay cards, real-time expense tracking, and rewards for spends. It positions itself as a joint account for couples and supports Aadhaar e-KYC with fast setup, backed by Y Combinator.
A joint, zero-balance digital wallet shared by two people with two physical RuPay debit cards. Open jointly in 60 seconds via Aadhaar e-KYC, with real-time mirroring of all transactions on both ends, top-ups to the shared wallet, and instant spend tracking. It includes joint billing, two linked cards, and rewards on combined spend (1% cashback, plus quarterly perks), with RBI-regulated PPI infrastructure and a single statement for the couple.
Who it’s for: Couples and partners in India, including marriages, dating, long-distance relationships, and same-sex couples, seeking a shared financial experience and simplified bill splitting.
Backed by Y Combinator
Srini is an Indian technology entrepreneur. He’s the CEO of Coupl, a consumer neobank designed for couples — backed by Y Combinator. Forbes 30 Under 30 Asia. BITS Pilani alum.
Kushagra is the Co-Founder and COO of Coupl Money. He graduated with a Bachelor's degree in Electrical Engineering from IIT Kanpur in 2019. He was a Research Software Engineer at IBM Research for close to 2 years in their AI for Supply Chain team, building multiple production level APIs for some of the top retail companies in the lifestyle space. During his stint with IBM Research, he published multiple papers at Tier 1 Data Science conferences and has 6 patents to his name.
We help couples easily manage their shared payments from one account.
Coupl releases a mobile app to set up a zero-balance joint account in under 60 seconds for couples, enabling shared expense management with two linked RuPay cards, in-app bill payments, budgeting and expense categorisation. Targeting couples in India who want a digital, faster alternative to traditional joint accounts; aims to streamline shared finances and payments.
From the original launch (Nov 2023) — may be outdated.
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