FAQ
Quick answers about payments, points, rewards, account security, and using Divvum with friends.
What is Divvum?
Divvum is a social expense-splitting and peer-to-peer payments platform that rewards users for paying back sooner. Request, send, and receive money, split bills with friends, and manage group expenses — all in one app.
How do payments work?
All payments are processed securely through our payment partners. Divvum never stores your bank account, card numbers, or wallet information.
What are the fees?
There are no fees to send or withdraw funds!
Divvum+ members could experience a withdrawal fee only if they choose to do a same-day withdrawal more than 3 times in a month.
How do I earn points?
You earn points by being a reliable friend on Divvum. Pay back a request within 48 hours and you'll earn points — the sooner you pay back, the more points you earn.
If you joined through a friend's referral, you can also earn points.
What do points get me?
Points can be redeemed on our rewards tab for deals of your choosing.
What are the ranks?
There are five ranks: Emerald, Platinum, Gold, Silver, and Bronze. Each rank correlates to your average time to pay others back.
| Tier | Avg time-to-pay |
|---|---|
| Emerald | 0–5 min |
| Platinum | 5–30 min |
| Gold | 30 min – 3 hrs |
| Silver | 3–24 hrs |
| Bronze | 24+ hrs |
What is Divvum+ and how does it work?
Divvum+ is Divvum's paid subscription, available as a monthly or annual plan. Divvum+ members experience the following perks:
- Free same-day withdrawals
- 1.5x point multiplier
- GIF profile picture
- Dark app theme
- Full profile statistics
- Custom poke messages
- Divvum+ profile icon
- + more
We are always exploring more perks to make the Divvum+ experience even more enjoyable.
What is a poke?
If someone owes you money, you can poke them once every 24 hours as a friendly reminder to pay up. Divvum+ members can customize what their poke message says.
What is the leaderboard?
The leaderboard ranks you among ONLY your friends, based on your payment rank (average time to pay).
How do referrals work?
Share your referral code with friends. When they sign up and enter your code, you'll earn bonus points.
How do I verify my identity?
When you go to pay someone or withdraw for the first time (whichever comes first), you'll be asked to provide identity information. This is required by law and is securely handled by our payment partners. Once your identity has been verified, you won't have to do it again.
Is my data safe?
Yes. We use encryption in transit (TLS), secure cloud infrastructure, and role-based access controls. Sensitive financial data is handled exclusively by our partners.
How do I contact support?
Email us at contact@divvum.app. We aim to respond within 24 hours.
How do I delete my account?
Go to Settings → Danger Zone → Delete Account. This will permanently remove your account and data.