Getting a joint account from two single accounts...

seamus

Just asking here because no doubt someone has been through this.

Myself and the new wife have been living together for nearly two years before getting married. Every bill comes out of my bank account. What we've been doing so far is simply getting her to transfer half of the cost of any bills/mortgage/etc over to me when they're taken from my account. And we're sick of it now and just want a single account for everything. We're both with BOI. Banking 365 have told me that I'll need to call into my branch specifically (which I won't get a chance to do for about 6 months) with her ID to have her added as a signatory to my account.

Does anyone know if there's an easier way? Since she's already with BOI, they shouldn't need any information from her - surely there's a way of merging the accounts and keeping my account number?

ChillyJilly

Me and my husband are both AIB, and a few years ago (before we were married though) we had to both go in and sort this out in the branch. We didnt add either to each others accounts... instead we opened a separate joint account. So the only thing this joint account is used for is mortgage repayments and bills... and also some saving when we can afford it.

So yea, what they are telling you sounds right from what we were told to do, you do need to call in to the branch in person.

kizzyr

seamus wrote: »

Just asking here because no doubt someone has been through this.

Myself and the new wife have been living together for nearly two years before getting married. Every bill comes out of my bank account. What we've been doing so far is simply getting her to transfer half of the cost of any bills/mortgage/etc over to me when they're taken from my account. And we're sick of it now and just want a single account for everything. We're both with BOI. Banking 365 have told me that I'll need to call into my branch specifically (which I won't get a chance to do for about 6 months) with her ID to have her added as a signatory to my account.

Does anyone know if there's an easier way? Since she's already with BOI, they shouldn't need any information from her - surely there's a way of merging the accounts and keeping my account number?

When myself and my boyfriend moved in together I had two accounts, my own current account and a second such account that I had set up to pay bills from etc. I simply got him added on as a second account holder and we now pay all bills (except for the mortgage as I had that set up for a few years before we moved in together) from this account. He puts in amount X to this account which is the same as I pay for the mortgage and house and life insurance. Then all bills, Sky, ESB, groceries, etc are paid for from the second joint account.
We were with BOI and had to go into the branch to sign though and there was no way around that.

nice1franko

We both had (and still have) our own accounts.

We just opened a new joint current account and we both put money into it each month for mortgage, bills, food, etc.

seamus

Don't really have a need for two separate accounts, she's as welcome to spend my money as I am to spend hers.

Cheers guys, looks like I'll have to go into the bank. Better build up some overtime...