How to Share Expenses with Your Partner or Housemate Using a Prepaid Shared Card

No more awkward money chats or forgotten paybacks — just one simple card for all your shared costs.

Living with someone — whether it’s your partner, your best mate, or a flatmate you found on a Facebook group — can be an absolute joy.
Movie nights, shared Spotify playlists, and the endless debate over who’s doing the dishes this week.

But then the money side shows up.

Rent needs paying (of course). The Wi-Fi bill pops up again. Someone orders groceries or chips snacks for the flat, and no one’s sure who’s covered what — or who still owes money.

Now imagine this: instead of awkward IOUs and last-minute bank transfers, you all top up one preloaded virtual card at the start of the month or before a purchase.

Groceries, utilities, even that surprise pizza delivery — all paid from the same card everyone has access to.

No one gets left out. No one’s chasing anyone for €25. You just spend from the shared balance and know exactly what’s been covered.

No drama. Just simple, fair, and easy.

1. Load your shared card — and you're good to go.

Here’s the beauty of a preloaded shared card: Everyone chips in, then the card covers everything that’s joint.

It works like this:

• Each person sends their share to the card

• The group uses the card for shared expenses (groceries, utilities, takeaways)

• You always know how much is left — and how much was spent

No one has to front the money, no one gets left chasing people for €17.34, and you can’t accidentally overspend — once it’s empty, it’s empty.

Simple. Clean. No drama.

2. Split the top-up and not every single expense.

Tired of splitting every receipt? Just decide on a monthly budget, load up the shared card, and let it do the rest.

Example:

“We each add €100 on the 1st of the month. That covers rent extras, Wi-Fi, groceries, and the cleaner.”

Boom. You’ve just removed 14 money conversations a month.

3. Perfect for managing shared subscriptions, too.

Netflix. Spotify. Disney+. Apple One. Everyone’s using them. No one remembers who’s paying.

Put all your shared subscriptions on the prepaid card, so:

• You can budget for them in advance

• Everyone contributes fairly

• It’s easy to pause, cancel, or adjust if needed.

No more surprises or duplicate payments.

4. Set a time to top up — and stick to it.

Choose a day (like the 1st or the 15th), and make that your shared top-up day.
You’ll always know when the card gets funded, and no one has to ask,    “Hey… did you add your part yet?”

If you’re a couple: set a recurring calendar reminder.
If you’re flatmates: drop it in the group chat and keep it light.

It’s all about routine — and respect.

Preload the card. Share the costs. Live in peace.

With a preloaded card, shared living gets way easier. Everyone puts in their share, and the card handles the rest. No IOUs. No awkward conversations. No surprise charges.

Just a smarter way to manage your shared life.

Check the Partly App: The preloaded card built for people who live (and spend) together.

• Top it up as a team

• Use it for groceries, bills, and subscriptions

• Stay on budget without the stress

It’s everything shared living should be: fair, simple, and fully under control!