Great joint current accounts... is there such a thing?....

Lish_2

Hi there,
I wondered if any of you could offer some advice please?

I am moving in with my boyfriend of 5 years and we are looking to get a current account together so we can both have a debit card and pay for bills and utilities when needing to.

I am currently with Nationwide and only 'allowed' a cash card (not debit) due to a CCJ that is due to expire in 10 months time (yipee!) :j with an average salary, never missed any payments/dd's or anything and work full time with my expenditure lower than my income and regularly save a 'small' amount of money and have been doing so for a year now.

He is currently with Lloyds with a high salary, mortgage, credit cards albeit a bit slap dash with making payments on time (lazy) and he is self employed.

We are looking to save about £10k over the next year and pool the remainder of money into one account to live off of and do up our new house. Can anyone recommend a bank that would offer what we are looking for?.....

All advice much appreciated- I really do not even know where to start!

Thanks

Mikeyorks

Current accounts are simply current accounts - they offer the same terms whether joint or sole.

However ........ given the fact your credit rating isn't 100% - it would be foolish to link yourself (joint current account does that) with your boyfriend as you will damage his rating. Best, therefore, to continue separate accounts until your rating improves.