A new Revolut feature that lets groups pool money and spend directly from a shared card: no upfront payments, no repetitive manual settling, no legal complexity.
Coming Soon
Product Design
Strategy
New Feature
Mobile App
The total addressable market for expenses sharing apps is
+20.500.000 MAU
But current tools are too limited for daily shared life
Group finance tools today are built for specific niches, not for the messiness of real, ongoing shared life. Users want a simpler, more communal way to spend directly from a shared pool without the hassle of traditional banking.
Simple tools like Splitwise force one person to pay upfront and manually chase others. Shared Accounts solve the pooling problem but are legally complex and difficult to dissolve. Neither option fits daily use.
Benchmarked: Revolut Split Bill, Group Pocket, Splitwise, Wise, HyperJar.
We mapped every shared finance tool against one question: does it let a group spend directly from a shared pool without friction? None of them did.
Problem Statement: Current group finance tools are too limited for daily shared life; either too simple and manual, or too legally complex to be practical.
No one fronts the money, funds are pooled beforehand
Spend directly using a virtual or physical card
Include people without a full Revolut account
Support multiple currencies for international groups
Enable customizable, flexible bill splitting
Anti Money Laundering compliance is met through tiered Know Your Customer process: full for Anchors, Light for spending Guests, and none at all for Guests who only add money.
A persistent bar gives every member one-tap access to top up or split without digging through menus.
The app alerts users when contributions are uneven, handling the awkward conversation automatically.
Any member can immediately freeze the Pouch's card if something feels wrong, keeping security in everyone's hands.
When the Pouch closes, leftover money is returned to each contributor's original payment method, no awkward remainder.
Zero-cost user acquisition through organic invitations
Converts Guests into full Revolut account holders
Interchange fees and FX revenue from Guest spending
Reactivates inactive users when invited to a Pouch
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