How Openpay works

Openpay makes it easy and clear to share money as a group. Whether it's for food, subscriptions, or a joint account for your group, you can manage everything directly from the app.

Start by creating a joint account for your group.

No bank requirements – members can be customers of any Danish bank.
Add all participants directly via their phone number or email.
No limit to the number of members. The bigger the group, the better!

The app gives you full transparency over your shared finances.

Balance and transactions: All members can see how much money is in the account and what it's being spent on.
Transaction categories: See clearly what goes toward things like event fees, court bookings, or social activities.
AI-generated descriptions: Automatic labels make transactions easy to understand for everyone.

When the account needs to be topped up, Openpay makes it simple and efficient:

Create a top-up request: Set the amount and choose whether the request should be one-time or recurring monthly.
Automatic invoicing: The app sends payment requests to all members.
Reminder function: If someone is behind, the app sends friendly reminders so you avoid awkward conversations.

Get a payment card directly linked to your joint account:

Virtual card: Can be added to Apple Pay and Google Pay for quick payments.
Physical card: Ideal for larger groups or joint purchases.
All transactions with the card are automatically logged in the app, so you always know how the money is spent.

Openpay makes it easy to share expenses when someone pays upfront:

Select a transaction from your connected bank account or upload a receipt.
The app will request the amount from other members or deduct it from their next top-up.
The "treasurer" can quickly approve reimbursements for full control.

Activity log: Get a full overview of all account movements in real-time.
Smart budget management: See how much is left and how the money is distributed across categories.

1. Create a joint account

Start by creating a joint account for your group.

No bank requirements – members can be customers of any Danish bank.
Add all participants directly via their phone number or email.
No limit to the number of members. The bigger the group, the better!

2. Digital overview for everyone

The app gives you full transparency over your shared finances.

Balance and transactions: All members can see how much money is in the account and what it's being spent on.
Transaction categories: See clearly what goes toward things like event fees, court bookings, or social activities.
AI-generated descriptions: Automatic labels make transactions easy to understand for everyone.

3. Automate payments with top-up requests

When the account needs to be topped up, Openpay makes it simple and efficient:

Create a top-up request: Set the amount and choose whether the request should be one-time or recurring monthly.
Automatic invoicing: The app sends payment requests to all members.
Reminder function: If someone is behind, the app sends friendly reminders so you avoid awkward conversations.

4. Payment with virtual and physical cards

Get a payment card directly linked to your joint account:

Virtual card: Can be added to Apple Pay and Google Pay for quick payments.
Physical card: Ideal for larger groups or joint purchases.
All transactions with the card are automatically logged in the app, so you always know how the money is spent.

5. Handling expenses and reimbursements

Openpay makes it easy to share expenses when someone pays upfront:

Select a transaction from your connected bank account or upload a receipt.
The app will request the amount from other members or deduct it from their next top-up.
The "treasurer" can quickly approve reimbursements for full control.

6. Real-time data and transparency

Activity log: Get a full overview of all account movements in real-time.
Smart budget management: See how much is left and how the money is distributed across categories.