Use cases - find the setup for your situation

Rent, internet, electricity, the cleaner, that one Costco run.

Best for: Apartments, house-shares, and live-in couples with shared bills

Eight friends, three cities, two currencies, and one person volunteering to 'just track it for now'.

Best for: Multi-day trips with shared accommodation, transport, and meals

You don't want a joint account.

Best for: Couples splitting variable expenses with separate finances

Three families, one couple, a venue deposit, a dress, and a thousand small payments.

Best for: Couples and families splitting wedding costs across multiple contributors

The whole point is for the bride or groom not to pay.

Best for: Bachelor and bachelorette parties where the honoree shouldn't pay

Tickets, fuel, food shop, ice runs, the £4 you spotted Sam for the loo at 2am.

Best for: Festivals, multi-day camping trips, and outdoor weekenders

You and a colleague went to a conference.

Best for: Two-or-three-person business trips before reimbursement

Three generations, one villa, mixed contributions.

Best for: Multi-generation family holidays with mixed contribution levels

Lisbon weekend, ten women, the bride doesn't pay.

Best for: Hen weekends abroad with mixed contributions and one organiser fronting big costs

Twelve men, three nights in Budapest, bottle service at A38, and one best man who put €1,200 on his card.

Best for: Stag weekends where one organiser fronts large amounts

Catered chalet, lift passes, gear rental, après bar tabs, the daily grocery run.

Best for: Ski weeks at catered or self-catered chalets with 6-12 friends

Bali, Portugal, Morocco, or Sri Lanka.

Best for: Multi-day surf camps with mixed-skill participants

Tulum, Costa Rica, or a remote Greek island.

Best for: Multi-day yoga retreats where one fee covers most but extras vary

A house in the Hamptons, the Algarve, or Cape Cod.

Best for: Co-rented summer houses where co-renters use the place at different weeks

Five flatmates from four countries doing Erasmus together.

Best for: Erasmus and exchange-student shared apartments with multi-currency members

Six nomads in a Lisbon co-living for the month.

Best for: Co-living + coworking groups of 4-8 sharing month-long arrangements

Four service members sharing off-base housing during a deployment.

Best for: Service members in shared off-base housing with rotating deployment cycles

You and a friend co-host an Airbnb.

Best for: Co-hosted short-term rentals where two or more owners split costs and revenue

Six friends, three tents, one cooler, the constant need for ice.

Best for: Multi-day camping trips with shared gear, fuel, and food

Glasto, Coachella, Primavera, Lollapalooza.

Best for: Multi-day music festivals with camping or hotel accommodation

Munich → Vienna → Budapest → Prague → home.

Best for: Multi-country European road trips with 4-8 friends

LA → Vegas → Grand Canyon → Albuquerque → Austin → New Orleans → Nashville → DC → NYC.

Best for: Multi-week US road trips with shared vehicle and accommodation

12 months, 14 countries, 9 currencies.

Best for: Long-running gap-year groups with rotating attendance and many currencies

Class of 2010, 15-year reunion.

Best for: Multi-decade reunion weekends with mixed family sizes

Two-week European choir tour, 25 singers, 4 cities.

Best for: Choir, band, and ensemble tours with shared logistics

12-person 5-a-side tour to Lisbon.

Best for: Amateur sports teams on annual tour weekends

Monthly book club, 10 members, rotating host.

Best for: Monthly book clubs with rotating hosts and shared meeting costs

Monthly supper club, 6 members, rotating host cooks for everyone.

Best for: Monthly supper clubs and dinner-rotation groups