I think it's up to each couple how they want to delegate their finances. What may work for one, won't work for another. I like the idea of sharing one account that takes care of expenses but also having separate for individual needs.

I'm my opinion, that's perfectly acceptable. Why not? So long as both agree to to not overspend and can't afford their part of of bargain/deal, it's ok. And, this way, it can kind of, key words, kind of , save a ouple money sometimes, you know?

Good practice if the person wants something they have their own funds to purchase if the relationship breaks down each person can support themselves and if left as the surviving person they can manage life by themselves as they have been in control all along .some bills can be 50 /50 each just pays a share directly to the account .

What ever suits the situation but I would think it much easier to at least have one joint account for paying bills etc, If still wish individual accounts so be it but remember if there is ever a spilt in the relatiionship it can become difficult if property settlement etc involved as it generally spilit to suit the circumstances etc.

Back in the early 70's when I got married, I was very naive where money was concerned. My husband was the only one working so we only had a joint account, and I had to ask if I wanted anything more than the money he gave me for groceries. If I had known how things would turn out, I would have had my own account right from the start.

I don't know about 'each pay bill', but I know that hubby and I have both joint and separate accts. He actually feels strongly that every female should always have a "fu' account either with the bank or cash secured and hidden 'just in case'.

Really, why are you asking? will it improve your life if you know? I think the AI is asking stupid questions, and we encourage ??? by partaking. i will be skipping all Q I find as useless

I am celibate by CHOICE and have no SO aka significant other and never will. However, it is rare to find a one bank acct family these days. Remember Arnold Ziffel on Green Acres? He had a bank acct and he's a pig! All my relatives and friends have their own bank accts and so do their kids.

I’m on my own.

Every couple has different dynamics, just like every individual is different. Mum and dad have joint account for 60+ years, dad has his own account too and encouraged mum to do so but mum doesn’t. I met my better half after we both had relationship (and related financial) issues in the past. One has a much higher pay, and much more expensive taste. So, the one gets higher pay is responsible for house and utilities. The one with less pay takes care of food and groceries (including weekend restaurant meals). We don’t argue or sweat about others spending because there’s a roof over our heads and food on the table. Whatever works for you!

Yes seperate bank accounts are healthy for the relationship, one person can purchase or save for the things they desire, while both share expenses equally this leads to harmony and balance in a relationship and respect for each person's earnt income and rights to spend as they choose whilst still honouring their commitment to their lives together. It is pretty normal these days.

Yes I totally agree. SEPARATE ACCOUNTS but each contribute equally. I have seen so many relationships where one person "controls" the other. No way I say.

we each have a bank account AND a joined account for daily expenses...If I want an expensive computer.....and he wants an unexpensive one ....why should he pay for my expensive tastes ? Vice versa

The husband should pay 50 percent

balance works

My husband and I had a joint bank account that his pay went into and we paid the bills from it but when I returned to the work force I had to open an account for my pay to be paid into. My husband and I decided I should keep some of my pay to pay for petrol as well as other things so he then opened an account that he put a small amount into each week for him to buy magazines etc. So we each had a bank account but we also had a joint bank account.

My parents have had different accounts.My mother did.She didn't trust my step father.. She wanted me to do that when she was alive and I didn't feel that was right. I did start a Christmas fund for my kids when they were little.But in 56 years we never had differnt bank accounts.

SOUNDS LIKE A LOT OF MISS TRUST TO ME. WE HAVE ALWAYS HAD JOINT ACCOUNTS AND IT HAS WORKED FOR THE LAST 53 YEARS OF YESTERDAY. ALL OUR ASSERTS ARE JOINT OWNED MAKES THINGS A LOT EASIER IF ONE OF THE PARTY DIES THEY JUST TRANSFER TO THE OTHER. MY WIFE HAS HER OWN CREDIT CARD AND CASH IN HER PURSE AND DOSE NOT HAVE TO ASK ME WHEN SHE WANTS TO BUY SOMETHING. IF WE ARE GOING TO SPEND A LARGE AMOUNT OF MONEY A HOLLIDAY A NEW CAR A TV THEN IT IS A JOINT DECISION, HAS WORKED FOR 53 YEARS ANDCAN SEE NO REASON TO FIX SOMETHING THATS NOT BROKEN. TRUST TRUST TRUST. LOVE LOVE LOVE.

Each have own bank account

we have our own bank accounts and have our pensions put in our own ,we also pay half each for everything.

I think it’s the way to go Keeping your money separate.

My parents each had their own bank accounts in fact my Mum's advice to us girls, was make sure you have your own money that you need in case something happens. She was way before her time. I passed the same advice onto a friends daughter years ago. My father agreed because even when he was short of cash to pay for something he never asked Mum to help him out.

I think joint and separate accounts are the best way to go.

It's a good idea to have a joint account for bills but separate accounts for your own money.

Thats what my partner and I do, we keep our money separate to keep our independence, its not for everyone, but it works well for us. Totally depends on the couples, what they feel comfortable with. Been living together for 8 years,no arguments yet about that lolEdited 21-May-25 18:33pm

When I was married we both had our own bank accounts and then opened a joint Shared the expenses

Have 3 accounts,: one joint where bills get paid from and then one for each to pull from when nana wants a bee pair if shoes or daddy wants that gas grill

Joint account for joint expenses ie food, rent, utilities etc, evrythng else seperate

No for us, we have personal accounts we pay but household costs are paid on the joint account. We've been together for almost 40 years and it still works for us. The deal is you must be truthful in who pays for what.

I believe it is important for women to be financially independent and have own bank accounts based on my own experience. The couples can have joint account but a good financial position might be the only way out for women especially they have mean and ruthless husbands or partners.

Well since 45% of marriages end in divorce or separation, it saves time to have separate accounts in the 1st place/lol.

Always had a separate account plus a joint account

Its great if you have one account into which every pay day you put in money to cover all joint bills, Council Rates, El;ectricity, Water, Gas etc., then the money is always there to pay those regular Bills. Today, in this world where the name of the Deity is GREED, if you are even just one day late in paying that Bill yhey charghe you an exorbitant fee for being late - that Fee translates into sheer Profit, but then all those CEOs, CFOs just have to make sure they get their multi-millions in Salary, don't they? You just have to trust each other than one of you won't help themselves to the money in that account when they run short! Otherwise it is a very good idea for everyone to have their own account to spend as and how they want or need to. It also helps to stop one of the worst forms of Domestic Violence which is Financial, Coersive Control. It costs nothing to have multiple accounts so have another for the Groceries, again you both put the same amount in each pay day. Try it! We have been doing this ever since Internet Banking became available and it works very well. We have seperate accounts for Groceries, Car Registrations, Servicing, but not allowed to be used if you get a Speeding or other naughty fine those come out of your own account! Sounds a bit messy? Yes, possibly it is, but it does mean we always have the money to pay for everything.

Myself and my have joint bank account plus separate accounts. All money for bills go in joint and still separate to do our own thing

We used to have seperate bank accounts when first married, but changed to a joint account. For us it was sensible and still is to day, how ever each to their own, what ever works for you.

our incomes are deposited in one bank, then we have a yearly budget for all bills based on last year cost plus 10%,then divided by 52 we deposit that in a seperate account to pay bills as they arise, we save 200 per week in seperate account, we take 260 each each week for personal expenses or pocket money if you like, then anything left we use as additional savings, then we adjust our figures annually.It sounds difficult but its how we get by and build a nest egg

I like the idea of 3 a/c hers, mine and ours. we all should have access to a little fun money.

I used to think separate checking accounts was nuts. But due to circumstances, we each have our own account. I love it because I can buy something without being nagged at.

We have our own accounts but I pay all the bills. Wife is much better at saving money. 😊

I met my soulmate in my early 50s, we both had individual accounts, once we were married we opened a joint account, however I still kept my account open. Trust is the key! Hubby income covers living expenses and mine covers everything else, cell phones petrol etc, I manage our finances and save at least 10% per week, more if possible☺️

an account to pay the bills and money from bath people going into the bill account. the rest of the pays are in a account owned by each

Yea. It is normal as the other partners bank account can be a back up in rainy days

My wife pays bills etc. then I pay her whatever is half, works well.

We had a shared bank account but I paid all the bills from this account. We trusted each other implicitly and saved whenever we could so we could enjoy treats like nights out or vacations without having to worry about the costs.

hi

It’s important for each of you to have your independence and have your own bank account. With shared bills, have an account just specifically for bill paying. When in a serious relationship, make sure that your name is included in the mortgage repayments and utilities etc.

I believe the man should take a little more resposibility if there are children envolved. If not then both are equal to the bills. Bank acounts seperate maybe an third one made to share.

Our wages go into our own accounts. From there hubby puts 1/2 the fortnightly mortgage payment each week into a joint account. I top up that account for insurances and rates. Hubby pays a set amount each week to phone company for both mobiles and internet. I pay the monthly electric bill and buy most of the shopping. I also pay off the credit card each month, regardless of who bought what. Whatever is left from hubby's weekly pay goes into the joint account to cover incidentals and whatever I have left goes into our savings account. Hubby is also still paying child support for one of his girls. It was never planned, it's just how it ended up but it works for us.

I have a shared bank account with my wife - she handles 90% of the bills - I wouldn't have a clue! But I trust her 100%.

My husband and I have separate checking accounts but another together and savings together. It's just easier to keep track what each of us spends. Plus, we met later in life, so we were already established with our own accounts and bills.

My husband and I have always and always will share everything

I've always had a seperate bank account. I like to spend and my wife likes to save. Neither the two shall meet.

I wish I would have done that, too easy for crooked spouse to rob you. Trust no one.

I guess it's normal..

We got married the week after my husband graduated from college. Jobs were scarce in his field. I supported us until he found a job. From then on, we have shared everything, After we had kids, I stayed home until they were all in school. Then I got a job in their school district, so I could have the same schedule, holidays, etc. We're retired now, and still share expenses, except for my earnings from Rewardia.

IN MARRIAGE What's yours are mine, What's mine are yours, Other relationship is what they call " do not let your right eye sees what your left eye can see"

I used to have my own account for my pay and we lived off partner's, until he betrayed me and I left him. Now retired new parter we share everything.

I am single and will stay single for the rest of my life so it's not relevant to me

I believe you should share what you eat, meaning i buy for us and you buy for us there is no such thing as me then you in a marriage. It what are we going to eat tonite. The ?? Is should I cook or you gonna cook.?

Yes! As a couple, we like three types of bank accounts. His, Hers, and Ours. The last one is the joint bank account for big purchase items like a fridge, furniture, or holiday savings for later on.

I'm not married. My partner and I have separate accounts because I'm a saver whereas my partner is a spender, he can't help but spend money when he has it so I'd never have a shared one with him.

It is far better to have separate accounts and to have an agreement on who pays what bills, it saves a lot of arguments and tensions.Edited 21-May-25 12:30pm

There’s no one-size-fits-all. As long as it feels fair and both people are on the same page, separate accounts and splitting expenses are not just normal—they’re smart.

Have seperate bank accounts is normal.

Never thought of this idea .after 68 years married a bit late for changes

we share everything.

In Oz,the man and the woman have separate accounts....same bank,BUT different account numbers...dont ask me why,BUT its a dumb way to do banking

Ours is separate due to an illness I have

we have a shared account and I have my own. Whatever works. We also each have a credit card.

I love my bank. They are awesome

When we were first married we only used one wage for everything, his was the largest, mine was saved to purchase a dining room suite took a year in those days, we did this so when we had children we cold always live on his wage, my wage did not count on the morgage either although to get it I had to put what little I had into that bank. When one partner dies the credit card is a difficult one, you cannot have it in two names, I am the second card holder, I have been trying to get a credit card, because I do not have a loan or a salary they will not give me one, it seems those with huge gets can always get them, one daughter at one time kept changing credit cards getting better deals even though a lot of her money we had given her.I will keep trying.

My Bank account is currently locked Michael

We’ve never bothered with separate accounts

What mine is hers, and so what’s hers is hers also.

Not for us, his money was mine and my money was his. Only need a separate Bank Account if one does nothing but spend, spend.

I think a joint and separate join accounts are both important.

joint account its our money not yours or mine

We have both. His pay is for bills etc, mine is for holidays and ours if for emergencies which is looking better than our holiday savings 🙂

We have combined but I often put a cut aside in savings. Just do what works for you as a couple

Husband and wife should have combined accounts although it is wise if a woman can put a little aside just in case

Yes, it's normal for husbands and wives to have own bank accounts, especially if both are working. They can share paying bills, whatever works.. it's different for each couple

My x and I had a joint account for bills & food. Each week we would pay x amount into the account and x amount to the mortgage and what was left was urs to spend.

No, joint account.

no a joint account i was told by a friend that her husband passed away she went to the bank to settle his bank and close it but they said he had to do it he,s dead they wouldnot give her the money big trouble i coming

No we had a joint account for 63 years until my husband passed away and now I have one on my own.l

We have a joint account & also an account of our own each. We also have a Credit card each & a joint one.

Now single. When I have been married, one bank account. Like it better this way

Ours all goes into one account and then I pay the bills and do the shopping. He get the money he needs for his hobbies and I get what I need for mine. Then the rest goes into savings so we can get other things when we want or need them.

Yes its normal.

Yes it's normal. I do this with my partner and always have. I like it this way as I have some independence.

Think a joint account which each puts share into is used for 'communal' payments and each has own account to do with what they wish is ideal

We have a joint account, and have done so since earlier in our relationship,(now married) neither of us has a personal account. We discuss any large purchases for personal use eg golf club membership.

Completely normal

Yes it's normal and should be encouraged. If you wish have a combined account to pay bills which a nominated amount is deposited every week/month to cover expenses. In many countries you can't access any services without one. Besides this having only a joint account requiring both signatures can be a problem when either is ill or dies.

That never happened in my clan

The riches of the husband if he has any should be given to the wife according to the Canberra directives ie High Court regardless of the wifes good character or not ditto the husband Every best wish Mary Robert 1 point

My husband and I have 1 joint account and our own separate accounts. I do not see any issue with this. We have been happily married for over 20 years. My grandparents also had their own accounts and had a happy marriage for 60+ years, so I can't see how having separate accounts mean you're in a bad marriage.

Separate bank accounts are a sign the relationship is failing, like sleeping in separate beds. I should know!!

ty JANN R

I think it is important having your own bank account and then a shared account that the bills come out of. Relationships can go sour, so having some financial independence is important for both parties