Study: Gen Z frequently leaves friends unpaid for group expenses
A recent Zelle study found that 76% of Gen Z consumers surveyed were not fully repaid for group expenses, leading to relationship tension and debt for nearly half.
A new report from payment service Zelle indicates a significant trend where Generation Z consumers are failing to repay friends for shared expenses. The study revealed that 76% of Gen Z participants surveyed reported not receiving full repayment for funds they advanced for group trips or events.
This pattern is reportedly causing relational strain, with 55% of respondents stating the situation created tension. Furthermore, nearly half of the study participants (47%) admitted to going into debt to cover these group costs.
The findings come from the "Zelle Avoidance Economy Report: The Group Chat Is Lit. Settling Up Is Another Story," based on surveys conducted in May and June 2026. The report highlights that Gen Z spends more on large group travel and event experiences compared to other generations. Specifically, 37% of Gen Z spent over $2,501 per person on major events, while other generations averaged less than $2,500.
Zelle identifies this phenomenon as "payment avoidance," a behavior where individuals delay, ignore, or withdraw from difficult conversations about money among friends and family. This trend results in delayed payments, with some Gen Z consumers taking months or longer to settle debts, contrasting with other generations who typically repay immediately.