Pool United

What Pool United does

Pool United, Inc. is a San Francisco-based, venture-backed consumer fintech founded in 2024 that operates the product "Pool" — a multi-user, FDIC-insured financial account enabling groups of people to share access to the same bank account with role-based permissions (Admin, Owner, Spender, Viewer). The product is positioned as a new category distinct from one-off P2P payment apps (Venmo, Cash App), expense-splitting tools (Splitwise), and traditional joint accounts, targeting ongoing shared financial relationships among roommates, families, sports teams, classrooms, vacation groups, and similar recurring shared-spend contexts. Underlying infrastructure is built on top of a partner bank (First Internet Bank, Member FDIC) with Visa-issued debit cards (physical and virtual) and Plaid for secure bank account linking; Pool itself is a financial technology company, not a bank.

Pool's core product surface includes the Pool Account (unlimited shared accounts per user), the Pool Visa Debit Card (linkable to multiple Pools), a Personal Balance feature for individual use within a Pool, a granular Role-Based Permissions System, and an Instant Transfers add-on for expedited outbound transfers. The business model is freemium with two disclosed revenue streams: a 1.75% transaction fee on Instant Transfers and interchange fees collected from merchants whenever the Pool Visa Debit Card is used at point of sale. There are no monthly fees, minimum balances, or fees to create/fund/manage Pools. Go-to-market is product-led and self-serve via poolmoney.com and iOS/Android applications, targeting US consumers only. The company has raised $4.5 million in venture capital (Notation Capital pre-seed January 2024; $4.5M round in October 2025 with 47th Street Partners, Charge Ventures, Coalition Operators, and Ritual Capital) and operates with 1–10 employees.

Name

Pool United

Legal name

Pool United, Inc.

Website

https://poolmoney.com

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Pool United operates Pool, a multi-user FDIC-insured financial account that lets roommates, families, teams, and groups share a single bank account with role-based permissions and a Visa debit card, built on First Internet Bank and Plaid infrastructure for US consumers.

Ownership category

akta.pro rank

Product category

Collaborative Banking

NAICS

Credit Intermediation and Related Activities (522)

SIC

Finance Services (6199)

akta.pro primary industry

Budgeting & Cash-Flow Management (FSAGADAA)

akta.pro secondary industry

Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)

Keywords

• Shared banking accounts
• Multi-user financial accounts
• Collaborative money management
• Group expense banking
• Pooled savings accounts

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Instant Transfer Transaction Fees: Pool charges a 1.75% fee for instant transfers from Pool to a linked bank account. Standard bank transfers are free.
2. Interchange Fees: Pool collects a small fee from merchants whenever the Pool Visa debit card is used. This interchange fee is paid by merchants in the Visa network, not by Pool customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Pool offers a multi-user, FDIC-insured financial account (called a "Pool") that allows multiple people to share access to a single bank account with role-based permissions (Admin, Owner, Spender, Viewer). The product is delivered through a web and mobile platform built on partner bank infrastructure (First Internet Bank, Member FDIC), includes a Visa debit card (physical and virtual), supports instant and standard bank transfers, and enables collaborative money management for shared households, teams, classrooms, families, and community groups.

Product overview

Pool United operates as a consumer payments fintech company offering a unified platform for collaborative money management. The core product is the Pool Account—a multi-user shared bank account designed for shared households, roommates, families, and groups. Users create Pools (multiple accounts for different purposes) and invite members with customizable roles (Admin, Owner, Spender, Viewer). The platform includes the Pool Visa Debit Card (available in physical and virtual form factors), a Personal Balance feature for individual use, and Instant Transfers for expedited fund movements. All banking services are provided by First Internet Bank (Member FDIC) and the Visa debit card is accepted everywhere Visa is accepted in the United States. The platform integrates with Plaid for secure bank account linking.

Differentiator

Problem solved

Functional benefit

Products and services

• Pool Account A multi-user, FDIC-insured shared bank account (provided by First Internet Bank, Member FDIC) that allows multiple people to collaboratively manage money under role-based permissions (Admin, Owner, Spender, Viewer). Users can create unlimited Pools for different purposes such as roommates, family expenses, teams, classrooms, trips, and emergency funds. Targets US consumers organizing shared money relationships.
• Pool Visa Debit Card A Visa-branded debit card (physical and virtual) issued by First Internet Bank and linked to Pool Accounts, enabling spending directly from shared Pools. A single physical card can be linked to multiple Pools; supports ATM withdrawals, point-of-sale transactions, cash back, and digital wallet integration wherever Visa is accepted in the United States.

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Three partnerships are on record, tiered core.

• First Internet BankcoreStrategic or Co-development Partner · 7 October 2025First Internet Bank is Pool's banking partner providing FDIC-insured deposit account services. All banking services for Pool accounts are provided by First Internet Bank, Member FDIC. Pool accounts are eligible for FDIC insurance up to $250,000 per depositor. First Internet Bank received American Banker's 2025 Innovation of the Year award in the Payments category, which was announced alongside the Pool product launch.
• VisacoreTechnology or Integration · 7 October 2025Visa is the card network partner for the Pool Visa Debit Card. The Pool Visa Debit Card is issued by First Internet Bank pursuant to a license from Visa U.S.A. Inc. The card can be used everywhere Visa is accepted in the United States. Visa charges apply for cross-border transactions and currency conversion.
• PlaidcoreTechnology or IntegrationPlaid is Pool's financial technology partner for secure bank account linking. Instead of sharing banking credentials directly with Pool, users connect their bank accounts through Plaid, which handles the connection, verification, and secure access to account information needed to link accounts and enable transfers. Pool does not store bank login credentials.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Splitwise: Splitwise is a bill-splitting and shared-expense tracker used heavily by roommates, groups, and travelers. It directly addresses the same 'who owes what' pain point that Pool's shared accounts target, making it the closest functional competitor even though Splitwise does not hold funds.
• Greenlight: Greenlight is a family-focused debit card and financial account that supports multiple users (parent/child) with role-based controls and shared funding. It overlaps directly with Pool's family and shared-money positioning, particularly around caregivers and parents managing kids' spending.
• Step: Step is a teen and family banking platform offering multi-user accounts with parental controls and shared funding. It targets a related use case (family money management with multiple authorized users) with a similar role-based, multi-stakeholder account model.
• Current: Current is a US consumer fintech offering bank accounts with multi-user features such as parent/teen sub-accounts and shared spending controls. It addresses the same shared-money, multi-stakeholder account use case Pool targets, especially in family and household segments.

Broad incumbents

• Venmo: Venmo (PayPal-owned) is the dominant US P2P payments app, used for many of the same roommate, group, and shared-expense scenarios Pool targets. It competes for the same end-user occasions but solves them via discrete transfers rather than a shared account.
• Cash App: Cash App (Block) bundles P2P payments, a debit card, and banking features, and is widely used for shared expenses, group collections, and small-group money movement. It is a much larger incumbent with overlapping consumer fintech positioning.
• Zelle: Zelle is a bank-backed P2P network embedded in the apps of most major US banks, making it the default for many roommate and family transfers. It competes with Pool for the same shared-expense occasions, with far deeper distribution via incumbent banks.
• Apple Cash: Apple Cash is Apple's P2P payments and account feature inside Apple Pay/Wallet, used for shared expenses, group gifts, and family payments. It competes with Pool for the same consumer occasions, with the unique advantage of being bundled into the iOS ecosystem.
• Chime: Chime is a large US neobank offering fee-free consumer checking and savings accounts. It overlaps with Pool on the consumer deposit-account primitive and could plausibly add multi-user/shared-account features that compete directly with Pool's core product.
• Revolut: Revolut is a global consumer fintech / neobank offering multi-currency accounts, shared vaults, and group expense features. While primarily outside the US, its 'group vaults' and shared-savings products are conceptually analogous to Pool's shared Pools.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xx.com/ourpools

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds2 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pool United