My husband I have had a joint current account since January 1998. We both had our own current accounts. But as we where buying a house together we would need a shared account so that we could pool the house hold finances.

This account was to pay all household bills such as food, electric, council tax. At first it was difficult to gauge how much to put it in it. But we had a £50 buffer zone for an over draft.

There was no problem applying for the account. We finally chose HSBC (midland to most people)as they did not want a set amount of money paid in every month as it was a few months before we bought the house. I was annoyed that I filled the forms in and got hubby to sign them. I put my name first and him as second applicate. But guess who’s name got first on the account his not mine.


There had been no trouble in the running of the account. We both trust each other and know that if we spent the money in the joint account we would have no roof over our heads (unlike his brother who has twice been taken to court over non payment of mortgage).

Also we have two other joint accounts both savings. Maybe it is due to the fact that we both have the same goals and want to go in the same direction. That I know he would not leave me and clear out all the accounts.

My parents have joint accounts and no personal ones that I know of. And they are very happy. In know of many couples that run the same system as me and hubby a joint account for the house and their own accounts for themselves.

I had my own current account before I met my husband. And what I do with my own money is up to me.
I think that once you have one joint account it starts to become very messy. As you both pay your full wages in and then pull it out again. No track is kept of what is coming in and out and that is when the mess happens. And when one spends to much then one persons gets resentful. I do know how much my husban
ds earns as well as his out goings. But what he spends his cash on is up to him.

I had a friend who had a joint account with her then husband. She had a little job earning a few hundreds pounds a month. Husband (He was a git. That is strongest language that I think I can use on DOOYOO with out being kick off)decided that he wanted a new motorbike. So he took out a loan that was direct debited from their joint account. And he used her wages to cover the loan with out telling her. So she was working for nothing.

As long as the joint account is not your only account there should not be any problems. But if it is. Then in the end if could end in tears.


And it is more than trust as well. I was once told by a colleague that I did not trust my husband enough by not having one current account. Why should I? It was more hassle to change over and I am a person in my own right. I did resent that. It is not about trust. But why should I have to justify all my spending. If is in my own account then I do what I want with it.

Also if anything happens to the person then you will not left with out a credit record. I have a credit record as a couple as well as a single person. I can prove that I paid bills on time.