I have opened an account. Me and my SO use it as an easier way to share our bills, by using “Gemeinsamen Töpfen” (more or less “shared container”) it’s very easy. You pay with your card, assign the payment to the correct “shared container” and the app automatically splits the bill and allow the other person(s) to pay you back whenever they want (you can have more bills together obviously). It’s very good for expenses such as groceries and similar which you can’t plan ahead and regulate with a simple automated direct order.
It saves us from having to keep the bill and make the calculation for the split Every.Single.Time. The alternative would be to have a shared bank account where we each have a debit card, but this would cost us money (having 2x cards).
Since it’s free I think it’s good solution (I pay cashless 95% of the times and everytime for groceries anyway).
It has additional features which are also kinda good for keeping an eye on finances, so I am thinking about using it as 2nd account where I move the budgeted amount for the month and pay all from there.
So far my experience with it has been good.
Anyway if anyone is interested in the 50CHF gift drop me a PM, I’d gladly invite you.