To think it can be more tax-efficient for savings to be in a lower-earning spouse’s name?

[WaryKhakiMentor]

For couples where one person pays a higher rate of tax and the other earns less, it seems like it could be more tax-efficient for savings to be held in the lower earner’s name. Given allowances and tax bands, I’m wondering whether this is something people commonly do in practice.

AIBU to think this is the more sensible approach?

Same, they’re all detailed on a spreadsheet and he has access to all the log in details - but I would love to see him try and figure it out 😂

Yes we do this