Managing money as a couple is an important step in any relationship. It brings new responsibilities but also creates opportunities to align financial goals and build long-term security together. Balancing individual spending with joint priorities can be challenging, but this is where bunq Joint Accounts come in.

With flexible features, bunq makes it easy to manage everyday expenses, build family savings, and plan for the future. Whether you’re new to joint finances or already have experience, bunq helps you stay organized, connected, and in control of your money.

Managing Finances as a Couple

With bunq Joint Accounts, shared expenses become easier to handle. Whether it’s for groceries, rent, or vacations, both partners can contribute equally, track spending in real-time, and maintain a clear household budget.

What’s more, you can set different contribution percentages for each partner, making it flexible based on income or personal agreements. This helps ensure fairness while managing your shared expenses. And with tricount integration, splitting costs with friends or other couples is effortless—track who owes what and settle up seamlessly.

Simplifying Shared Bills

Imagine never worrying about shared bills again. With bunq Joint Accounts, you can set up automatic payments for all your shared bills—rent, utilities, and subscriptions. No more scrambling to Split Payments or wondering if a bill was paid. bunq automates the process, ensuring both partners contribute fairly, taking the stress out of monthly expenses.

You can also receive real-time Instant Notifications whenever a bill is paid or upcoming, so you’re always in the loop. Forget about last-minute bill payments—bunq makes sure everything is handled, giving you more time to focus on the fun parts of life.

Easy Expense Splitting

Splitting daily costs—whether for groceries, date nights, or household items—becomes second nature with bunq. Track each purchase instantly in the app, keeping everything clear for both partners. Gone are the days of misunderstandings or confusion about who paid what. With a bunq Joint Account, you have a transparent view of your finances at all times.

This feature is particularly useful for couples who want to share financial responsibilities but keep their individual spending habits intact. You’ll always know where you stand financially.

Achieve Financial Goals Together

Reaching financial goals as a couple has never been simpler. Whether you’re saving for a vacation, a new car, or even your first home, you can set specific savings goals directly in your bunq Joint Savings Account. bunq’s easy-to-use Budgeting tools help you track progress and stay on target, making it easier to save together and celebrate each milestone.

Additionally, bunq’s automatic spending categories provide clear insights into your joint spending patterns. This helps you make informed decisions, adjust your budget where needed, and ensure you’re saving enough to meet your goals.

Saving for Major Projects

Planning something big, like a home renovation or a major purchase? bunq makes saving for these larger projects simple. Set a specific goal in your Joint Savings Account and automate regular contributions. With up to 3.11% interest in the Joint Savings Account, your savings grow faster, allowing you to reach your goals sooner.

By the time you’re ready to start your project, you’ll have the funds in place, reducing the stress of figuring out how to pay for it. bunq helps you stay on track with long-term savings while offering peace of mind.

Managing Childcare Costs

For families, bunq Joint Accounts make managing expenses related to children easier than ever. From daycare and school supplies to extracurricular activities, both partners can contribute equally and pay directly from the Joint Account. This keeps everything organized and ensures no surprise expenses pop up.

Conclusion

bunq Joint Accounts simplify how couples manage their finances. From splitting everyday expenses and bills to saving for large projects or managing family costs, bunq provides the tools you need to keep your money organized. With bunq, couples can focus on reaching their goals together, feeling confident that their finances are always in order.

* bunq savings account (individual, joint or child account), available on all bunq subscriptions, including the free plan, with no management fees. Gross annual rates. Your threshold is the highest balance reached over the last 6 months. The part of your savings up to your threshold earns a fixed base rate of 1.61% on the first €10,000 and 1.51% above €10,000. The part above your threshold earns a fixed bonus rate of 3.11% instead of the base rate: the advertised “up to 3.11%” rate therefore only applies to amounts above your threshold. The rates do not change; it is your threshold — and thus the amount to which each rate applies — that evolves over time. These rates are not promotional and have no end date. Interest is calculated and paid pro rata each week. Example: with a threshold of €5,000 and a balance of €10,000, you earn 1.61% on the €5,000 up to your threshold and 3.11% on the €5,000 above it, i.e. approximately €118.89 over 6 months (new threshold: €10,118.89). After an additional deposit of €5,000, you earn 1.61% on €10,000, 1.51% on €118.89 and 3.11% on €5,000, i.e. approximately €160.34 over the following 6 months, or approximately €279.23 over 12 months in total (assuming interest is kept in the account; amounts vary depending on your deposit day). Interest is paid on savings up to €100,000. bunq B.V., Basisweg 32, 1043 AP Amsterdam, Netherlands — credit institution authorized in the Netherlands, operating in France under the freedom to provide services. Terms at bunq.com.