Sharepah is a shared bank account in the UK that does not affect credit scores. It can be used for managing shared finances by roommates, and friends. It is like Splitwise and Paypal rolled into one and more.

Key benefits are - 1. Automatically pay your rent / bills - Sharepah supports direct debit. Utility bills and subscriptions can be setup to be paid automatically. 2. No chasing your friends - Each person's share is automatically pulled from their personal bank acccount 3. Nobody can pinch your money - Spending controls that stop anybody from making unauthorised payments from the shared account 4. Social - shared email inbox, chat, to-do-lists / tasks & more