Drop a pouch link in the group chat and everyone pays in. Then you spend from one shared card, and Divvyroo keeps track of who’s owed what, down to the penny.
Name it, set a goal and drop the invite link in the group chat. Friends pay in from the link, no app needed.
By card or bank transfer. The pouch shows who’s in, who’s close and who’s “definitely sending it tonight”.
One shared card for the whole pouch, so nobody fronts the villa. Every spend shows up in the feed with everyone’s cut next to it.
Home again? Whatever’s left goes back in proportion to what each of you put in, or rolls into the next trip.
Change the tip, or split it by who had what. Every share adds up to the total.
£97.20to collect from four of you
Four even shares of £24.30. Not a penny out.
Pay in before you fly and tap the pouch card in Lisbon. The round nobody remembers buying comes out of the pouch too.
Lisbon, baby£1,240 of £1,600
Everyone tops up by standing order and the pouch pays the bills, so nobody fronts £2,400 and waits.
Flat 4B · June4 of you
| Rent | 1 Jun | £2,400.00 |
|---|---|---|
| Council tax | 1 Jun | £168.00 |
| Broadband | 3 Jun | £32.00 |
| Loo roll kitty | Mondays | £36.00 |
| Each of you | £659.00 | |
Everyone’s share is in before the dessert menu comes round.
Tasca LusaStockwell · Fri 21:47 · table 6
| Bacalhau à Brás | 16.50 |
|---|---|
| Grilled sardines | 14.00 |
| Piri-piri chicken | 15.90 |
| Caldo verde | 6.50 |
| Pastéis de nata × 5 | 11.50 |
| Vinho verde, bottle | 22.00 |
| Service 12.5% | 10.80 |
| Total | £97.20 |
Pouch card •••• 4821£24.30 each
A shared pot only works if nobody can quietly spend it. Anything over £100 needs a second yes, and every spend shows up in the feed.
Every payment and every approval needs your face or fingerprint, so a stolen phone gets nobody into the pouch.
Pouch rulesLisbon, baby
Second yes over £100On
Nobody books the villa on their own.
Jonah wants to spend £480Casa da Graça, villa deposit
1 of 2 yeses
In the pouch £1,240.00
Freeze the cardAnyone can
Unfreezing takes two of you.
Leave the pouchAny time
Your unspent share comes back to you.
Flat 4B · Dev moved out£212.40 back to Dev
Card holdersCiara, Jonah
Daily spend limit£600
Changing a ruleNeeds a vote
These friends are made up. So is Divvyroo: it’s a concept.
lisbon mayCiara, Dev, Jonah, Priya
Ciara
made a pouch for lisbon, £400 each, link below
Lisbon, babydivvyroo · £400 each · 12–16 May
nobody is fronting the villa this time
Dev
sending friday when I get paid
Divvyroo: Dev chipped in £150. £510 to go.
Priya
Devsending friday when I get paid
same. doing £150 now
Divvyroo: Priya chipped in £150. Lisbon, baby is 78% there.
Jonah
villa wants the deposit tonight or we lose it
Divvyroo: Jonah wants to spend £480 on Casa da Graça. Needs one more yes.
Ciara
yes
Divvyroo: Deposit paid. £760 left in the pouch.
Not to chip in. They can pay from the invite link you drop in the group chat. To tap the pouch card or approve a spend, yes.
Spends only come out of money that’s actually in the pouch, so nobody covers anybody by accident. Divvyroo sends them a nudge the day before the goal date.
In a real launch, in a safeguarded account with a regulated partner, kept apart from Divvyroo’s own money. This is a concept, so there’s no partner and no money.
The plan: the card spends at the card network’s rate with nothing added, and the feed shows both amounts, like €22.00 and £18.77. Pouches themselves would be free, and anything that ever costs money would show its price before you tap.
No. Divvyroo is a made-up startup, and this site is a concept designed and built by heyim.london. There’s no app, no card and no bank account, and the forms on this page don’t send anything anywhere.
We’re letting groups in a few at a time. Tell us what your first pouch is for.
You’re on the list.
Well, you would be. This is a concept site, so nothing was sent and nothing was saved.