We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Joint basic account without linked to partner

Hello,
I have been discharged 3 months ago. I am with a new partner, who knows all about my bankruptcy and is very understanding. We want to move in together and open an account for rent payents, bills etc. But obviously I don't want him to be linked with me as that would not do him any good for his own credit rating.
I havent been able to find a bank to open a joint account where you don't get linked. We just want a basic account and two debit cards so we can both have access to it and make payments.
Does anyone know of any solutions?
Looking into Monzo, but you get financially linked. Revolut offers multiple debt cards but only in the name of main account holder. Dont know if any of the big banks offer a solution?

Thank you!

Comments

  • TheGardener
    TheGardener Posts: 3,303 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I doubt that there is product on the market that does that. Logically, how could that product exist?

    I think the best you can do is one of you set it up and you both have access to the online banking/multiple cards
  • unforeseen
    unforeseen Posts: 7,465 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I think multiple cards would create a link.
  • Finchy2018
    Finchy2018 Posts: 508 Forumite
    Fifth Anniversary 100 Posts Name Dropper Debt-free and Proud!
    Just out of curiosity why do you need a joint account. My husband and I have never had one. I just pay the bills and he sends a set amount over each month to cover his percentage of the share. Could that not work for you?
  • TheGardener
    TheGardener Posts: 3,303 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    unforeseen wrote: »
    I think multiple cards would create a link.
    No - I meant multiple cards in the one persons name - so they could both have a card to the account even though only one name is on it. Not sure how the bank would feel about that or even if they would let you have more than 1 active card per account but its an option/risk the one name would have to take.
  • Clouds88
    Clouds88 Posts: 420 Forumite
    Seventh Anniversary 100 Posts Name Dropper Photogenic
    Partner A has all the outgoings out of there account and partner B transfers a regular amount to cover all those bills and then you don’t get linked. I still do this with my husband of 5 years we don’t need a joint account, I don’t see the benefit.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.3K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.3K Work, Benefits & Business
  • 604K Mortgages, Homes & Bills
  • 178.4K Life & Family
  • 261.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.