The Split account

The first financial product in your relationship

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Connect to Your Partner

Signing up and connecting with your partner on Ivella is simple and takes less than five minutes. When signing up, you and your partner set a ratio of how you'd like to split expenses, and we automatically split all of the transactions you make.

Add Money

With Ivella, you and your partner maintain individual accounts and balances. This protects you from your partner being able to withdraw money from your account, but allows you and your partner to split all of the transactions that you make.

Split Transactions

When using Ivella, we split all of the transactions you make. However, you can go back and change the split of any individual transaction, at any time, after you’ve made it and we'll re-adjust your balances instantly.

Track Spending

Ivella gives you and your partner a simple way to track all of the transactions that you’ve made together. You have the ability to see who made the transaction, how you’ve split it, and how much you each paid towards the transaction.

The financial features your relationship needs.

Individual balances
You and your partner each have your own individual accounts.
Automatically split payments
Individual accounts & balances, but automatically split transactions.
Split however you want
Both of you can always change the ratio for an individual transaction.
Your Ivella Cards
Both of you will each have your own physical and virtual cards to use.
Insured up to $250k
FDIC Insured by Blue Ridge Bank N.A.; Member FDIC.
Dedicated accounts
You'll have your own account & routing number.

Your relationship’s third wheel

With your Ivella Visa cards, you and your partner can start banking together in seconds.

Custom physical card

Unlimited virtual cards

Fee-free access to over 55,000 ATMs

Built-in fraud protection with Visa’s Zero Liability¹ guarantee

Split Account

What is the Split Account?

The Split Account is an easy way for you and your partner to start sharing expenses. With the Split Account, you and your partner have individual accounts and balances, but you’re able to automatically split any transactions that you make using your Ivella Debit Card!

Is the Split Account right for my relationship?

Whether you've been dating for six months or recently got engaged, we think you'll find value in trying Ivella. We’ve had couples sign up for Ivella as early as one month into their relationship.

How does the Split Account work?

When you connect with your partner, you’ll set your Split Ratio, which is the default way you want to split transactions (e.g. 50/50 or 70/30). Purchases made with your Ivella card will be automatically split based on this figure.

Can I change my Split Ratio?

Yes, you and your partner can adjust your Split Ratio at any time, and this will be reflected once both parties agree to the change.

Can I change the ratio of a specific transaction?

Yes, after a transaction has been made, both you and your partner have the ability to retroactively adjust the ratio of that specific transaction. Changes to the ratio of a transaction will result in instant changes between you and your partner’s balances.

Do I have to pay for the Split Account?

No, the Split Account is entirely free to use! There are no initiation costs, account minimums, or overdraft fees.

How many cards will we receive?

You and your partner will both receive one (1) physical card and one (1) virtual card, so in total you’ll be given four (4) Ivella Visa debit cards. Your virtual cards will be available to use instantly, and your physical card should arrive in 5-7 business days.

Can we transfer money to each other?

Yes, you can send, receive, and request money from your partner in a few taps, for free.

Can I send money to other people?

Yes, you can send money from your Split Account to any bank account holder in the United States. All you’ll need is a name along with an account and routing number.

Can I access ATMs with my Split Account?

Yes, you have fee-free access to over 55,000 Allpoint ATMs across the world.

Can I use my card anywhere?

The Ivella Visa Debit Card is issued by Blue Ridge Bank N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

Are my deposits FDIC Insured?

Yes, Ivella Split Accounts are FDIC Insured for up to $250,000 via our bank partner, Blue Ridge Bank N.A.; Member FDIC.

Will this affect my credit?

No, the Ivella Split Account functions like a checking account and has no impact on you or your partner’s credit.

Will my partner have access to my personal information?

When connecting to your partner you agree to share certain information with them regarding only your Ivella account, which includes account information, account balance(s), transaction information, and transfer information. Your partner will not have visibility into your external bank information.

What happens if my partner and I break up?

If you and your partner break up, you can disconnect from one another by clicking their profile card on the dashboard. Alternatively, you can email our support team at, and we’ll help you through the process. Upon disconnecting with your partner, you will retain each of your individual Ivella balances, which now function like completely independent accounts.

Join the thousands of couples using Ivella today.