Let's say goodbye!






Pockets United faces its final curtain. While we still believe in the idea and that there will eventually be an app like ours to help you solve payments among friends – it won’t be us. We had a great time, we learned a lot, and we celebrated little victories with IKT innovativ, Best of Show at Finovate Europe, Wayra, and (almost) 2 Minutes 2 Million (the Austrian Shark Tank) ... in the end it was unfortunately not enough. We now turn to new challenges. Pockets United shut down its operations as of 01/01/2015.
With a final "split costs, share fun!" we'd like to say goodbye to you,

your Pocketeers,
Markus, Michael & Matthias


Handling money related issues among friends is a pain. There a dozens of day-to-day situations where we pay things together: tickets for the cinema or a concert, cab rides, food orders and eating out, group gifts, while travelling together, in housing communities, sports clubs or offices. Now quite often there’s someone who doesn't have the exact amount of cash at hand or even has no money at all. As a result, one pays for all and he eventually has to chase after his money for weeks to come.

However, no existing financial service to date adequately supports group payments. At Pockets United we believe that in times of social networks, instant messaging and mobile wallets it must be possible to handle these kinds of transactions more comfortably! It’s not even about the money itself, more about trust and friendship based on the implicitness of paying friends back – without having to remind them countless times. After all, sharing should lower the burden for all, not cause additional effort for some - Split costs, share fun!

Want to see more?

Just click the image.

One for all, all for one!



Guy with a vision. Surfer dude.

Markus is a true entrepreneur and has been active in the startup scene for more than 10 years. He worked for bigger companies and also in consulting during his studies but nothing came close to the temptation of running his own company. After two years as a non-founder executive at ICT spin-off valuescope, he stopped by at amiando as an entrepreneur in residence prior to its acquisition by XING, before starting Pockets United

At Pockets United he’s in charge of business development, marketing and investor relations. In between touring from banks to investors and pitching on conferences, Markus spends his freetime (what?) surfing, diving or playing golf.

You can’t see it but have to rely on it a 100%? That is Michael‘s domain, speaking of all the processes in the backend that keep Pockets United up and running. He is a full-hearted developer and has gained vast experience over several years as an IT freelancer. He joined location-based start-up Aloqa as one of the first employees, building up the server side infrastructure until it was acquired by Motorola.

A fellow of the Center for Digital Technology and Management, Michael is well connected and, being the initiator of the computer science alumni club of Munich’s largest university, has access to a never-ending pool of engineering talents. Michael is an ambitious hobby photographer and regularly goes on the hunt for beautiful scenery with his Canon 5D Mark II.


Backend crack. Photographer.


User Experience geek. Cellist.

Matthias gives Pockets United its (magic) touch. He is a passionate UX developer and specialist when it comes to coding native applications for Android, iPhone, or other platforms. A former colleague of Michael, he headed client engineering at Aloqa, which makes the two a striking development team.

Following Aloqa’s acquisition by Motorola Mobility, he relocated to the Silicon Valley where he lately worked for Google as a project lead and lead engineer. Coming back to Germany he joined Pockets United as our third co-founder. When seeking for relaxation beyond the digital world, Matthias likes to turn away from bits towards strings, playing the cello for several years.

Financial services are not a piece of cake, so we’re happy to have Armin on board as our advisor. He was Head of Legal at PayPal/eBay Germany and now works as an independent lawyer. A renowned expert in German payments law and for the European e-money directive, he makes sure that everything we do is legally sound and regulatory compliant. He also supports the team in negotiations with bank partners and gives advice on more strategic issues, which includes access to his wide professional network.

Armin lives with his family on Forstgut Falkenberg near Schleswig where, in times of high stress, he enjoys going into the woods chopping trees for the fireside.


Legal Mastermind. Lumberjack.


Pockets United GmbH i.L.
Dachauer Str. 241
80637 Munich

Liquidator: Markus Stiefel

Location and Municipal Court: Munich HRB 192066

VAT ID according to § 27a sales tax law: DE277893196

Responsible according to § 5 TMDG: Markus Stiefel

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