No Branch Visit · 100% Online · For Couples
No queues, no forms, no bank branch. Coupl lets couples open a zero-balance joint account in 60 seconds — entirely from your phone.
Issued by LivQuik Technology (India) Pvt Ltd · RBI-authorized PPI issuer
No visit. No queue. No paperwork. Just your phone.
Branch visits
Open entirely from your phone
Account opening
Digital KYC, done in under a minute
Minimum balance
No balance to maintain, ever
Matching RuPay cards
Delivered, not collected at a branch
4 steps. Under 60 seconds. Zero branch visits.
Download Coupl
On iOS or Android. No appointment, no branch.
Do KYC in-app
Verify with Aadhaar + PAN on your phone. No physical forms.
Invite your partner
They complete KYC from their own phone — no need to be together.
Get matching cards
Both partners get RuPay cards linked to the shared wallet.
Why couples skip the branch and open with Coupl instead.
Data from public bank websites as of 2026. Subject to change.
A traditional joint account needs both partners physically at the branch during working hours, on the same day. With Coupl, each of you does KYC from your own phone, whenever you want — no shared calendar gymnastics.
Branch account opening means carrying original documents and self-attested copies. Coupl verifies your Aadhaar and PAN digitally in the app, so there's no physical paperwork at all.
Branch joint accounts can take 1–3 working days to activate. Coupl is live in about 60 seconds, and both partners get matching RuPay cards delivered without stepping into a branch.
Branch discretion often blocks unmarried, live-in and same-sex couples. Coupl opens fully online and is available to all couples, with no proof of relationship required.
Yes. Coupl lets couples open a joint account entirely online with no branch visit. Both partners complete Aadhaar + PAN KYC in the app in under 60 seconds. Most traditional banks still require both holders to visit a branch in person.
Most traditional banks (SBI, HDFC, Kotak) require both partners to be physically present at a branch for joint-account KYC. A few offer video KYC, but full in-app opening with no branch visit at all is what Coupl provides.
With Coupl it takes about 60 seconds, entirely in-app. Traditional bank joint accounts typically take 1–3 working days and require an in-person branch visit for both holders.
No. Each partner completes their own KYC from their own phone. You send an invite link and your partner verifies independently — no branch visit and no need to be together.
Each partner needs a valid Aadhaar number and PAN card for digital KYC. There's no physical document submission — everything is verified in-app.
Coupl is a PPI issued by LivQuik Technology (India) Pvt Ltd, an RBI-authorized PPI issuer, and KYC follows RBI-mandated digital verification. Note that PPI funds are not DICGC-insured, unlike bank savings accounts.
60 seconds. Zero balance. Zero paperwork. Open to all couples.
Also see: Zero balance joint account opening online · Best joint banking account for couples in India