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Having all your spending and saving money together helps to:

  • keep track of where your money is going.
  • minimise account keeping costs.
  • make the most of your savings.


You may choose to use a joint transaction account for your everyday expenses like the rent, groceries, and bills; with each partner having full access using a debit card and online banking.

You might also choose to have a joint savings account where you let your spare money build up for future expenses or goals.

If you're disciplined spenders, you may decide to use a credit card* (with an interest free period) for your regular spending and clear this monthly from your savings. This allows you to keep all money together either earning interest or offset against a home loan.

Our story ...

When Zac and Jordan moved in together, they chose to open a joint bank account where they could deposit all their income, pay all their expenses, and watch their savings grow towards a deposit for a home. They made sure they both had the same access to the account and regularly had a 'money talk' together to stay on track.

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Things you should know:

The recommendations as a result of you using this tool is intended as a guide only. It is for illustrative purposes only and is based on the accuracy of the information provided. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

*The primary card holder is solely responsible for the credit card debt.