Share any bill straight from your bank.
Upload a bill and JOYnt works out who owes what. Everyone pays from their own bank, so there's no joint account and no chasing housemates.
Partnered with Moneyhub
We never store your bank details
You approve every payment
Easy to split any bill
Partnered with Moneyhub
We never store your bank details
You approve every payment
Easy to split any bill
In partnership with
How JOYnt works
From the moment you upload a bill to the moment it's paid, Joynt keeps it simple and keeps you in control.
1
Upload your bill
Photos, PDFs or screenshots all work. Joynt reads the payee, amount and due date for you.
2
Confirm it's you
We'll send a short code to your email. This makes sure only you can act on your bill.
3
Check the details
Review what we found and fix anything that's off.
4
Choose what happens next
Pay it now, set it for later, or share it with someone else for them to pay their share.
5
Pay from your bank
You're taken to your own banking app to confirm payment. Joynt never sees your login or touches your money.
Give it a try
Upload a bill and JOYnt reads it for you. You approve payment yourself in your own banking app, every time.
Regulated by Moneyhub
We never store your bank details
You approve every payment
Easy to split any bill
100+
Payees
10 seconds
to read your bill
Moneyhub
Partnership
Stay ahead of your bills with reminders
Set a reminder before a bill is due, so nothing slips past you and payments stay on time.
Pay now or on pay day
Settle a bill straight away or line it up with your pay day, so money leaves your account when it suits you.
Everyone pays their own share
Share a bill with flatmates, family or friends. Each person gets their own payment link and pays from their own bank. No joint account, no shared card.
Why people choose JOYnt
Most payment methods ask for your card or direct debit details. Joynt never does. You pay from your own bank, so you stay in control.
Pay any bill from your phone.
Upload, confirm and pay from your phone, wherever a bill finds you.
What people are saying
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Common questions
Heading 1
No. Joynt never stores your bank login or card details. Every payment is approved in your own banking app, and the connection is handled by Moneyhub, which is authorised and regulated by the Financial Conduct Authority.
Heading 2
No. Joynt never stores your bank login or card details. Every payment is approved in your own banking app, and the connection is handled by Moneyhub, which is authorised and regulated by the Financial Conduct Authority.
Heading 3
No. Joynt never stores your bank login or card details. Every payment is approved in your own banking app, and the connection is handled by Moneyhub, which is authorised and regulated by the Financial Conduct Authority.
Heading 4
No. Joynt never stores your bank login or card details. Every payment is approved in your own banking app, and the connection is handled by Moneyhub, which is authorised and regulated by the Financial Conduct Authority.
© 2026 Joynt Limited - All rights reserved.
JOYntPay is developed and brought to you by Joynt Limited, Company no. 15943475. Payment initiation services are powered by Moneyhub Financial Technology Ltd (Company No. 06909772) which is authorised and regulated by the Financial Conduct Authority (FCA) as a Payments Initiation Service Provider, reference no. 809360. All logos and trademarks are property of their respective owners.