How to handle flatshare costs with PayMeDaba
In most flatshares, one person pays the landlord, another pays the water and electricity bill, a third the internet. Paying is not the problem; getting everyone's share back on time without chasing is.
With PayMeDaba, each flatmate who covers a cost sends a money request to each of the others, with their share and a clear note ("October rent", "September water and electricity"). Everyone pays their request with their PIN and the money arrives instantly.
There is no shared flat account in the app: each person keeps their own balance. That is deliberate: one expense, one request per flatmate.
Share flatshare costs in 4 steps
- Split the roles. Who pays the landlord, who pays the water and electricity bill, who pays the internet.
- Agree on the split. Equal shares, or rent based on room size: decide once.
- Send requests each time a bill is paid. Whoever covered it sends each flatmate a request.
- Track who has paid. Pending requests stay on your home screen until paid. Each flatmate finds their own payments in their activity.
Example: three flatmates in Casablanca
Nadia, Ilyas and Soukaina share a flat in Maârif. Rent is 7,500 MAD a month, which Nadia pays the landlord. This month Nadia also paid the water and electricity bill (420 MAD) and internet (300 MAD). They split everything equally.
| Paid by Nadia | Total | Each share |
|---|---|---|
| Rent | 7,500 MAD | 2,500 MAD |
| Water and electricity | 420 MAD | 140 MAD |
| Internet | 300 MAD | 100 MAD |
Nadia sends Ilyas and Soukaina two requests each: 2,500 MAD for rent and 240 MAD for the bills. When paying, each covers the 0.1% fee: 2.50 MAD on rent and 0.24 MAD on bills, 2.74 MAD a month. Nadia receives 2 × 2,740 = 5,480 MAD, with no fee.
Good to know: a 2,500 MAD transfer is above the planned limit without ID verification (1,000 MAD per transfer). The flatmates will need to verify their national ID card in the app (level 1: up to 10,000 MAD per transfer). These limits are planned and may change to meet regulatory requirements. See also pricing.
Tips to avoid tension
- Write the rules down when you move in. Each share, when requests go out, who pays what.
- Send requests on a fixed date. The 1st of the month for rent, for example, so everyone plans ahead.
- One note per expense. "Water and electricity, September bill" answers questions before they come up.
- Keep the bills. A photo in the flat's WhatsApp group is enough to back up the amount.
- Plan for move-outs. When a flatmate leaves, settle their last share of the bills before they go.
Why PayMeDaba for a flatshare
- No monthly bank transfers to set up: one request, one PIN-confirmed payment.
- Everyone pays the right amount: it is in the request, nothing to copy.
- Instant, around the clock: rent arrives on time even on a month-end Sunday.
- Withdraw to the bank: whoever pays the landlord by bank transfer can withdraw the money to their RIB, free of charge, within 24 to 48 business hours.
PayMeDaba will be available once Bank Al-Maghrib grants its approval. Join the waitlist.