A shared budget, without a joint account
You should not have to switch banks or merge your money to run a household together. CoupleCash sits on top of whatever UK banks you each use: shared bills, fair splits, joint goals, private personal spending.
Free tier available. Works with any UK bank because it never touches your bank.
Share what you want. Keep the rest private.
Pair with anyone
Partner, spouse, or the person you split rent with. Pair by QR code or link, each with your own login.
Split your way
Equal, proportional to income, or custom per bill. The transfer report shows exactly who moves what each month.
Private by default
Personal bills are yours alone unless you share them. Shared rules only change when you both approve.
Shared budgeting questions
Do we need a joint bank account for a shared budget?
No. CoupleCash works on top of whatever accounts you each already have, with any UK bank. You keep your own banking and share the budget picture: bills, splits, savings goals and debts.
How is this different from Monzo or Starling joint accounts?
A joint account requires you both to bank in the same place and pools your money. CoupleCash is a layer above your existing banks: it tracks who pays what and whether the month adds up, without either of you switching banks or merging money.
Can we share a budget but keep our finances separate?
Yes, that is a core design goal. Share only the household bills, keep personal spending private, and split shared costs however suits you: equally, by income, or custom percentages.
Does it handle UK bills like council tax?
Yes. Recurring bills work on any schedule, and CoupleCash includes a template library of common UK bills and providers so setup is quick.
Run the household together
Keep your own banks. Share the picture. Free to start.
Premium for two is £3.59 a month: the price of one coffee, for both of you.