How is a Spend & Save Joint Account different from a Spend & Save Individual account?


Individual and Joint Spend & Save accounts are exactly the same in terms of account features (for example: interest rate). A joint account is only different in that it has two owners instead of one.

Both owners on a joint account have equal access to all of the funds in the account, and equal ownership rights over these assets.

Both owners get their own debit card with a unique card number, and can manage the settings on their cards (e.g. travel notice) independently.

Each owner will have their own account number for their Spend account and the same account number for their Save account.

Like individual Spend & Save accounts, joint account holders have the option to set a monthly Pay What Is Fair tip. The tip is deducted from the account once monthly.