If you're comparing Potje and Revolut for group saving, here's the short answer: Revolut's joint account is built for two people. Potje is built for groups.

They solve different problems. Revolut works well when a couple wants to save together or manage shared bills. Potje works when six friends are planning a ski trip and nobody wants to be the one chasing everyone for money.

Group money is messy. One person pays for the Airbnb. Everyone promises to transfer their share. Someone forgets. Someone sends the wrong amount. The organiser ends up carrying the cost and the stress.

Potje takes a different approach: everyone contributes before the money gets spent. The group saves together toward a shared goal, progress is visible to everyone, and nobody ends up out of pocket.

This article breaks down exactly how Potje and Revolut compare, who each is best suited for, and when a dedicated shared money pot makes more sense than a joint account.

What Is Revolut's Joint Account?

Revolut's joint account is a shared account between exactly two people. It's designed for partners, couples, or housemates who want to manage day-to-day finances together.

Both account holders get their own card, shared visibility of transactions, and access to budgeting tools. Revolut also offers a joint savings account where the two account holders can earn interest on their shared balance.

It works well for:

• Couples splitting rent, bills, or groceries

• Partners saving toward a shared goal like a holiday or home deposit

• Two people who want one place to manage shared spending

The key limitation: Revolut's joint account only supports two account holders. You cannot open one for a group of friends, a sports team, or a work trip.

If more than two people are involved, Revolut's joint account simply isn't designed for that situation.

What Is Potje?

Potje is a shared money pot built for groups. Rather than tracking who owes what after the fact, Potje lets everyone contribute upfront toward a shared goal.

The organiser creates a pot, sets a goal amount, and shares a payment link. Everyone contributes at their own pace. The group can see progress in real time. When the goal is reached, the money is ready to spend.

No chasing. No awkward reminders. No one person carrying the cost.

Potje is built for situations like:

• A group of friends booking a festival or weekend away

• Colleagues pooling money for a leaving gift

• A sports team collecting for kit, travel, or entry fees

• A birthday group organising a joint present

• Friends saving together for a ski trip or Airbnb

Unlike a joint account, Potje doesn't require every member to sign up or verify their identity. The organiser creates the pot. Everyone else simply contributes through the shared link.

What is Potje? Potje is a joint money account designed for groups. It lets multiple people contribute toward a shared savings goal, track progress together, and collect money upfront before spending begins.

Potje vs Revolut Joint Accounts: Side-by-Side Comparison

Here's how the two compare across the features that matter most for group saving:

The honest summary: Revolut's joint account is a strong product for two people managing money together. It's not built for group saving. Potje is specifically designed for the group scenario that Revolut doesn't cover.

The Real Problem With Group Money

Most group money problems don't start with a bad app. They start with the wrong approach.

The classic pattern looks like this:

1. Someone in the group books the Airbnb and pays upfront

2. Everyone agrees to transfer their share

3. A week passes. Two people have paid. Three haven't

4. The organiser sends a reminder. It feels awkward

5. One person pays half. Another says they'll sort it "this weekend"

6. The trip happens. The money situation is still unresolved

This isn't a payment problem. It's a collection problem. The money should have been in the pot before anyone booked anything.

Collecting after spending creates debt. Collecting before spending creates a shared goal.

That's the shift Potje makes. When everyone contributes first, nobody is waiting, nobody is chasing, and nobody feels like they're being nagged. The group sees the pot filling up together. That shared progress is what keeps everyone motivated to contribute.

A joint account doesn't solve this. It centralises spending for two people, but it doesn't change the fundamental dynamic of who pays first and who pays later. For groups, that dynamic is where all the friction lives.

You can read more about how a shared money pot app works for group saving if you want to understand the mechanics in more detail.

When to Choose Revolut's Joint Account

Revolut's joint account makes sense when you're two people who want a shared financial base.

It's a good fit if you:

• Share a household and want one account for bills and groceries

• Are a couple saving toward a shared goal like a holiday or home deposit

• Want to earn interest on your combined savings balance

• Already use Revolut and want to extend it to a shared setup

The interest rates on Revolut's joint savings account are genuinely competitive. On the Standard plan, you earn 3.51% AER. On the Ultra plan, that rises to 4.5% AER. If growing your savings balance matters, that's worth factoring in.

But the product is built for two. Both people need a Revolut account. Both need to live in the same country. And you can only have one joint account at a time.

For couples managing shared finances, Revolut is a solid choice. For groups, it's not the right tool.

When to Choose Potje

Potje is the right choice when more than two people are involved and the goal is to collect money toward something specific.

Planning a group trip or festival

Eight friends going to Tomorrowland. Someone needs to book the accommodation and tickets before they sell out. With Potje, you set a goal, share the link, and everyone contributes before a single booking gets made. No one carries the cost alone.

Organising a group gift

A colleague is leaving. Ten people want to chip in for a gift. Potje lets the organiser set a target, share a payment link, and watch contributions come in. No spreadsheet. No awkward group chat asking who's paid.

Sports clubs and team finances

A football team needs to collect match fees, travel costs, or kit money. Potje handles recurring collections without the organiser having to manually track every transfer.

Student trips and group holidays

Shared expenses for a weekend away, a ski trip, or a summer holiday. Everyone sees the progress. Everyone knows what's left to contribute. The money is ready when the group needs it.

The key difference from a joint account: contributors don't need to be Potje customers. They just need the payment link. That makes it far simpler to collect from a large group where not everyone uses the same app.

Learn more about what you can use a money pot for to see if it fits your situation.

What Makes Potje Different From a Joint Account

A joint account and a shared money pot might sound similar. They work very differently.

A joint account centralises existing money

With a joint account, two people pool their finances in one place. They spend from it, save in it, and manage it together. The account is permanent. It's linked to both people's identities. Opening one requires verification from both parties.

A shared money pot organises money for a specific goal

With Potje, a group creates a pot with a clear purpose: a holiday fund, a birthday collection, a sports club pot. Everyone contributes toward that goal. The pot has a target. Progress is visible. When the goal is met, the money gets spent on exactly what it was collected for.

The difference in practice:

• A joint account doesn't have a goal amount or a deadline

• A shared money pot is organised around a specific outcome

• A joint account requires both holders to be fully verified customers

• A shared money pot lets anyone contribute via a link, without signing up

For groups saving toward something together, the shared money pot model is cleaner. Everyone knows what they're contributing to. Everyone can see whether the group is on track.

That transparency is what removes the friction. Less chasing. Less confusion. More planning together.

You can also explore how Potje compares to other approaches in our guide to digital money pots vs joint accounts vs split apps.

Frequently Asked Questions

Can I use Revolut's joint account for a group of friends?

No. Revolut's joint account supports exactly two account holders. It's designed for couples or partners, not groups. If you need to collect money from three or more people toward a shared goal, Revolut's joint account is not the right tool.

Does everyone in the group need to download Potje?

No. Only the organiser needs the Potje app. Everyone else can contribute through a shared payment link. This makes it much easier to collect from large groups where not everyone uses the same apps.

Is Potje a joint account?

Potje is a joint money account, but it works differently from a traditional joint account. Rather than two people pooling their finances permanently, Potje lets a group collect money toward a specific goal. It's built for group saving, not shared day-to-day banking.

Can Potje be used for recurring collections?

Yes. Groups can use Potje for ongoing collections like monthly sports club fees or recurring team contributions, not just one-off events.

Does Potje pay interest on savings?

Potje is focused on collecting and organising group money toward a shared goal, rather than earning interest on a balance. If earning interest is a priority for a two-person saving goal, a joint savings account may be more relevant.

Is Potje safe to use?

Yes. Potje is a regulated platform. Your contributions are handled securely, and the organiser controls when and how the funds are used.

What happens when the group reaches its savings goal?

When the pot reaches its target, the organiser can use the funds to pay for whatever the group was saving for. Potje is also developing a virtual spending card that will make it even easier to spend directly from the pot. Readers can join the waiting list here.

Ready to Start Saving Together?

If you're planning something with a group, the easiest thing you can do right now is set up a pot.

It takes a few minutes. You set a goal. You share the link. Your group starts contributing.

No more carrying the cost alone. No more chasing people for transfers. No more awkward reminders in the group chat.

Create your first pot on Potje and let the group save together before the spending begins.