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Having your joint spending and saving money in one place helps to:

  • keep track of where your money is going, and
  • make the most of your savings.

Paying each of you a personal allowance allows you some privacy and independence too.


Each partner keeps their own personal transaction account with an agreed amount of their income paid into there.

The rest then goes into your joint transaction account to be used for your everyday expenses; with each partner having full access to the joint account 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 ...

Zia is partial to the occasional personal treat either for herself or her partner but likes it to be a surprise. When she and Mac got together, they decided that a little bit of personal financial space was a good idea even though they combined everything else to make the most of their joint position.

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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.