Mark You both need a bunq user account as indicated by Thijs, but you're not obligated to have any other bank accounts other than the Joint account you both share. In this case, it's enough for both of you to use the Easy Bank plan (if you're fine with the other restrictions that come with it, like only having one card included per person). After creating the Joint account, just close any individual sub-accounts that might still exist and you're good to go.