youchamp Frequently Asked Questions (FAQs)

These are the youchamp frequently asked questions.Here you will find the answers to all your questions, including how to share payments, split group expenses and send and receive money in our bill splitting app.

If they want to chat in the group, yes they do! If they want to be awesome like you and easily manage their expenses, yes they do! So what are you waiting for, encourage them to download the best bill splitting app now.

It stays there forever! Keep sharing your memories and keep talking about the amazing time you had.

You shouldn’t need to! youchamp app isn’t just about taking payments, it’s also about making and keeping memories. Your groups will always stay in your app and you will still be able to share photos and memories with your group members. You can keep adding new expenses whenever you need to split group costs. And best of all, you’ll also be able to always track who has paid what forever.

That’s exactly why you have youchamp! In the expenses section, everyone can see whom they owe and who owes them. You can chat about it, send reminders via SMS or in the group, and make sure you are always getting paid.

Yes and no. We don’t charge any fees for chatting in or using youchamp. We only charge a very small handling fee of $0.10 every time you make a single transfer. That means, if you pay 10 people at once, you’ll only pay $0.10!

You can’t at the moment, but we will be adding an archive function in future. The group will always be in the app though, so you’ll always be able to manage your expenses and know what money is being paid and to whom.

Yes, as long as you know your username and password. Never tell anyone your password and please never write it down. youchamp is not liable for fraud or loss otherwise.
We are always striving to make expense management easy for everyone. Please let us know if you have any suggestions on how we can make your youchamp experience even greater.

You can definitely sign up a second youchamp account for your business. Just make sure your business has a different mobile number and a unique debit or credit card so you can make shared or direct payments. You can sign up with either your business name or your actual name.

Sometimes you’ll go for a holiday and everyone is paying the same for the accommodation. Sometimes you’ll go out for dinner and one person will have a diet coke while another person will have a lobster. With youchamp, you can make your group to suit either way. An equal split expense means youchamp will automatically calculate the amount owing by everyone and let them know. An unequal split means each person will have to enter the amount they are paying, or when you create the group, you can enter the amounts, and youchamp will keep track of it for you.

You absolutely can. Just tap on pay for someone else and you can select who you want to pay for. In an equal split expense, you’ll be paying the equal amount, and in an unequal split expense, you’ll have to enter how much you want to pay for each person. Champy doesn’t tell anyone that you’ve paid for someone else though. He’ll just let everyone know that each person has made their own payment.

We are actively seeking a solution to allow instant transfers to credit cards. We don’t want you to have to create another account with another system, so until we can find something seamless, we’ll continue to use Stripe and then transfer money to you every day. Our most ideal solution to you will be to credit your credit card with the amount owed to you by the group that you have created.

We transfer funds every day! So it’s entirely up to your bank when it arrives. With the new banking systems coming into place, these payments should happen within hours of you claiming the money, except on weekends when it can take up to the next business day for your money to be in your account.

Your chat groups are only available to the users in the chat group. Our system stores the encoded messages on our protected server. This is to protect you from anything unscrupulous happening to your money.

We need your phone number and email address to allow you to log into youchamp. Other than that, Champy will occasionally send you emails/notifications about updates made to youchamp. Everything is stored on our protected server which is on Amazon Web Services (AWS). We do our best to protect these details. We do not authorise any third party marketing activities with your data automatically unless you have opted in for a specific cause.

Your bank details are stored on our encoded server so no one has access to it except our system for making payments. We need your bank details to pay any money that is charged by credit card, but we don’t have access to it. It is an automated process.

youchamp doesn’t store your credit card data. We use Stripe to process credit card payments and POLi Payments for account to account payment transactions. To keep it simple and secured we instead allocate each user a token which accesses the payments through Stripe and POLi Payments. Stripe is one of the largest and most trusted systems in the world when it comes to credit card payments. You can find out more at www.stripe.com and www.polipayments.com.