Shared wallet · Virtual cards
One shared wallet,
cards for the people
you trust.
friends.link lets family and friends pool money and spend from one balance - each on their own virtual card, with limits you set and every transaction in plain view.
Operated by paymy Payments GmbH, Berlin · supervised by BaFin
friends.link
Shared wallet
5282 •••• •••• 7390
Shared balance
€ 1,240.00
Members
4
How it works
From one balance to many cards, in three steps.
- 01
Open a shared wallet
Create a wallet in minutes and top it up. It holds one balance that everyone you invite can draw from.
- 02
Invite people, issue cards
Add family or friends and give each a virtual card. Set a spending limit per person and freeze any card instantly.
- 03
Spend, with everything in view
Members pay online or in stores from the shared balance. Every transaction shows who spent what, the moment it happens.
Features
Everything you need to share money, nothing you don't.
Shared balance
One pool of money that every member spends from - no transfers, no settling up afterwards.
Virtual cards
A separate card for each person, ready to use online or in a mobile wallet in seconds.
Limits and controls
Set per-person spending limits, pause a card, or change who can spend - any time.
Real-time activity
Instant notifications and a clear feed of who spent what, so nothing is a surprise.
Instant top-ups
Add funds to the wallet and they are available to spend straight away.
Built for groups
Invite parents, partners, kids or friends - manage everyone from one place.
Where people use it
Made for the money you share already.
The same balance, shaped around whoever you trust with it.
- Family allowances
- Give kids or teens their own card with a monthly limit, and see how it's spent without asking.
- Running a household
- Partners share one balance for groceries, bills and everyday spending - split nothing, track everything.
- Group trips
- Pool money for a holiday and let everyone pay their share from the same wallet as you go.
- Supporting relatives
- Send a card to family abroad and top up the shared balance whenever they need it.
Pricing
One simple price. Everyone on the wallet.
A single plan for your shared wallet - no tiers, no per-feature add-ons.
Per shared wallet
Includes everything below and up to 5 members. Add more whenever you need.
+ €9.95 / month for each member beyond the first 5.
What's included
- One shared wallet with a single balance
- A virtual card for every member
- Up to 5 members included
- Per-member spending limits and controls
- Real-time activity and notifications
- Instant top-ups and freezes
Example: a wallet with 8 members is €49 + 3 × €9.95 = €78.85 / month.
Security & compliance
Built to be trusted with the money that matters.
Sharing money with family and friends only works if it's safe. Here's how we keep it that way.
- Licensed and supervised
- paymy Payments GmbH operates as a regulated payment provider under the supervision of Germany's BaFin.
- Your money is safeguarded
- Customer funds are held separately under PSD2 / ZAG safeguarding rules. They are not used for our own business.
- Strong customer authentication
- Payments are protected with SCA and 3-D Secure, so a card can't be used without the right approval.
- Encrypted and EU-hosted
- Data is encrypted in transit and at rest, processed in the EU, and handled in line with the GDPR.
FAQ
Questions, answered.
What exactly is friends.link?
A shared wallet connected to virtual cards. You top up one balance, invite the people you trust, and each of them gets a card to spend from that balance.
Is my money safe?
Funds are held by paymy Payments GmbH, a payment provider supervised by BaFin, and are safeguarded separately under PSD2 / ZAG rules. They are not bank deposits and are not used for our own business.
Who can I share a wallet with?
Anyone you choose - partners, parents, kids, or friends. You decide who can spend and how much, and you can change or pause access at any time.
How do the cards work?
Each member gets a virtual card they can use online or add to a mobile wallet. Every payment draws from the shared balance and appears in the activity feed straight away.
What does it cost?
A shared wallet is €49 per month and includes up to 5 members. Beyond that, each additional member is €9.95 per month. No per-feature add-ons.
Open a shared wallet today.
Create your wallet, invite the people you trust, and give everyone a card in minutes.
Already have a wallet? Log in