Regarding 15K top-up yearly "limit" when splitting bills etc.


#1

Can we have back and forth transactions between two parties not to count towards yearly 15K limit?
By that I mean, my spouse topped up for 10K, I also topped up for 10K, during the year we split bills back and forth a lot, let’s say 5k each, this accounts for total of 15K top-ups each, even though that obviously is not the case, since we just made bunch of transfers between our selves.