SPLIT BILLS INSTANTLY
SPLIT BILLS INSTANTLY
Effortlessly contribute to a shared balance and spend, with people you live with or your usual crew. It’s that simple. Coming summer 2025 🇨🇦
A shared spending account for people who live together.
Share a balance – not the headaches.
We’ve all been there. Asking for $8 for your roommates half of the Netflix bill, breaking out the calculators and split tracking apps (that are also just calculators?), to figure out who owes who, only to have to e-transfer each other back and forth every month. So, we created Dutch. One balance and access to it with the people you live with.
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A shared balance account that allows you to pool cash in one secure place so you can effortlessly cover household expenses. One account for rent, utilities, groceries, streaming services all without guessing your fairly splitting the wifi and grocery bill.
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Send Interac e-Transfers, or schedule them. No more forgetting to send rent on the first.
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Auto pay bills, or have pre-authorized payments pull directly from your Dutch account.
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See who’s depositing funds into your account, and track where your pooled funds are being spent.
Keeping things fair & square.
Dutch is a free spending account designed for sharing expenses with others. With our prepaid credit card and mobile app, we provide Canadians with a seamless and transparent way to share money among couples, roommates, and family.
How it works
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STEP 1 - SIGN UP & INVITE
Once you make your account, invite the people you live with to join. You can have up to 5 folks in one group or just the two of you.
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STEP 2 - FUND YOUR ACCOUNT
Set up auto-deposit and we’ll automatically withdraw funds from your bank account into your shared balance. Nice & easy.
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STEP 3 - PAY WITH YOUR PHONE
Add your Dutch card to your Apple Pay or Google Pay and use it like any other virtual card. Pay for things online, tap it at the grocery store, set up pre-authorized withdraws for rent and bills.
“No more Excel sheets for what my roommates owe me.”
Kim Z. Toronto, ON
“It’s the easiest way to split groceries and date night every week with my boyfriend.”
Marielle G. Toronto, ON
“Dutch has saved us from having to e-transfering each other back and forth forever.”
Paul & Alison. Calgary, AB
Quick q’s
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Dutch is a way to create a shared spending account for you and whoever you need to split expenses with. You each get a prepaid reloadable Mastercard to spend your shared balance.
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Yes! You can fund your account and spend at $0 cost to you! However, we do charge a $1.50 fee for both e-transfers and bill pay.
We’ll also be rolling out a premium version that will have a monthly subscription fee. -
First, we don’t recommend sharing an account with anyone you don’t trust 100%.
But to be safe we added a few safeguards, for example you can’t e-transfer out of your account without the approval of everyone who is on your Dutch wallet.
We have also included a monthly spending limit set by the users to avoid any overspending.
With physical cards, we don’t allow for ATM access to prevent any unsavoury actions.
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We say it’s for people you live with for household expenses but you really can use it with anyone. Could be traveling, or your weekly softball league. Possibilities are endless.
You can use your Dutch virtual card anywhere that accepts Mastercard.
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If you need a physical card for things like gas, or tapping with your phone doesn’t cut it. You can request one in your wallet settings.
We only issue physical cards by request as an effort to reduce plastic and paper waste.