Jakob Thank you for your clear reply. Well, the costs are not really an issue because we both still get access to all features on a personal level. The problem is that I just want to have one account with all features under one both of our names, so not two accounts with 10 joint accounts in between (missing some features like easy investment).
So basically if you live in a household where you split all bills equally, having a personal account each and one joint account together makes sense. However, if you want to share all finances including investments, automatic savings etc, this is not possible. I'm just missing a joint subscription instead of a joint account between two personal accounts.
So basically a EN/OF (in dutch terms) subscription with ALL features included in a normal subscription. Not 10 joint accounts with two personal accounts.
Why is this not a thing? That's basically my question. The costs are not really of my concern, because the current structure itself makes no sense to me for couples who share 100% of their finances, like I do.
Joint accounts currently make sense for:
- Roommates who share bills together, but pay for their clothing (or whatever) themselves.
- Couples who pay almost all bills together, but still split investments, or personal expenses such as clothing.
A joint account does not make sense for:
- People who share 100% of their finances together and do not want to have personal bank accounts.
What I would like to see is this is separate subscription for shared finances of two people, which is a really basic feature since every other bank support this.