Skip to main content Skip to main navigation
Skip to access and inclusion page Skip to search input


Keeping separate accounts maintains the independence of each partner. However, it may be more difficult to manage the splitting of shared expenses. 


With each partner having their own accounts you’ll need to discuss how you will split and pay shared expenses. Each partner may pay half the bill for a joint expense; you might elect to have one partner pay all joint expenses with the other partner then reimbursing them for their share.

If you're disciplined spenders*, you may decide to use a credit card* (with an interest free period) for your regular spending and each repay an agreed amount monthly to clear the card and avoid paying interest and fees. 

Our story ...

Kym and Andi discovered they had very different styles when it comes to managing money. Kym liked to spend while Andi liked to save. They decided that it was best for them to keep everything separate. With new digital technologies making it easier to split bills and send money to each other, this worked well for them.

Next steps

You can choose to save this page as a PDF or email the results to yourself so you can refer to it later.


Email my results


This feature will allow you to email a summary of your results to yourself or share it with someone else.


We collect personal information from you to provide you with your service, and manage your service. We may also use your information to comply with legislative or regulatory requirements in any jurisdiction, prevent fraud, crime or other activity that may cause harm in relation to our products or services and help us run our business. We may disclose your personal information to other members of the Westpac Group, anyone we engage to do something on our behalf, and other organisations that assist us with our business. Please refer to our Privacy Policy at, or call us on 1300 130 467. for further details.

Thank you



Error submitting form.

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.