Additional Debit card to avoid joint account

[wantmorenow]

Just that, is there a way to set up a sole bank account in my name and put DP as a named cardholder as I really don't want a joint account or to be financially associated. It's going to be for a few joint expenses.

I do t think it is possible for a bank account. Could he put your card into Apple Pay/google pay? I have dh card on mine in case I need it

Why dont you open an account each then a joint account to pay joint expenses. You can transfer money in online.

Don't do it (or the Apple pay). If you have any fraud on your card you need to be able to say you've never given anyone else permission to use your card or they won't refund you.

Just have a joint bills account. If you're not comfortable with a joint action, why would you be comfortable giving him unfettered access to your account?

No. You can only do that with a credit card - there is a main account holder and then an additional card holder

Comfortable with a joint account....

Get yourself a curve card - it allows you to move all your cards into one card (or, alternatively) allows you to create a "backup debit card".

Was coming on to say curve card too. DP's linked one of his current accounts as main account - he keeps the card associated with the account and I have the curve card. I also have app and logins for current account on my phone so I can see balance and transactions etc

If you're not comfortable with a joint account how can you be secure in your relationship?

We do hers, his, ours, and both transfer an equal amount to the joint one to cover bills. It used to be a 2:1 ratio when I was earning but we're both retired now. It's unwise to pool everything unless you have complete understanding and respect. In our case, DH was inclined to read 'ours' as 'his'. He didn't spend lavishly but he did get me to agree that we should 'consult' on purchases over a certain amount. The amount never changed, so theoretically I had to have his approval even to fill up my car!

And if there are two of you, consulting effectively gives both of you a veto. That was the rock our pooled resources approach eventually wrecked on. I got sick of hearing "You don't want to do/buy that!" when actually, yes I did, and I'd worked hard for it.

My typical saying was "If you want that, have it. Why not?" which was something I never heard. 🙄

@newphoneswhodis

If you're not comfortable with a joint account how can you be secure in your relationship?

That... is quite a leap of logic!

I don't have a joint account with my DH (yes, married, and very secure in our relationship) because when we met, I had a terrible credit rating due to debts.

Open a joint account with no overdraft facility, just for bills. You each pay your part of the bill money from your own accounts into the joint account, and there can be no fraud. It's easy to set up and easy to close.

Dh has a credit card account in his sole name with me as a named cardholder.

I had an additional card on my mother’s current account, when she was getting less mobile. It had JellyFish for MrsJellyMother on the card and I had a separate PIN number.

Why does he need a card? If you want separate bank accounts then have separate bank accounts. Why would he need a card for your account? Could you not just transfer money to him if it's in your account and he need it?

Starling bank, I have an account in my name with a card. I'm also able to have an extra card that I can transfer money into and my husband uses this. Saves on joint account and financial ties.

If you're not comfortable with a joint action, why would you be comfortable giving him unfettered access to your account?

I've been married eons and we don't have a joint account.

Why don't you just divvy up who pays what from your own bank accounts, works perfectly well for us and it's worked out proportionally because dh earns five times my salary.

@TheMumblesofMumbledom

If you're not comfortable with a joint action, why would you be comfortable giving him unfettered access to your account?

I've been married eons and we don't have a joint account.

Why don't you just divvy up who pays what from your own bank accounts, works perfectly well for us and it's worked out proportionally because dh earns five times my salary.

So he has a massive amount more disposable income than you?

Why don't you just divvy up who pays what from your own bank accounts, works perfectly well for us and it's worked out proportionally because dh earns five times my salary.

It works perfectly because he has a lot more in his bank account?

Lol. Will look at curve and starling thanks.

We have a joint do it up project so need to pool money for that but i do not want a joint account. i enjoy having no financial ties in terms of credit. been there done that with ExDH. Never again. If there's no overdraft then if account is empty what's the issue? we can put half the budgeted amount in for works each month and when it's gone we both put more in or wait until the following month. simples

When I worked at a bank over 15 years ago, you could open an account and get another person added as an authorised signatory.

newphonewhodis a joint account isn't a declaration of love or trust- my DH had a terrible credit history when I met him and by linking financially in a joint account with him I was advised by the bank it would affect my score for the worst.

Lol no idea why it's unreasonable - totally possible to have additional card holder for credit card but less easy to find one for a bank account with no credit. seems counter intuitive.

Why does one of you not transfer the other their share when it's time to pay for whatever it is?

Because we need to make purchases - often up to 20 odd items a month. Some from DIY stores, Amazon, wickes, marketplace - wherever we find the stuff to do it up. trying to split costs 50:50 and one account would just take the hassle away from totting up who paid what from their own account.