Introducing Joint accounts: shared money, made simple

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Kickstart your 2026 finances with the account made for two. Whether you're friends, family, or partners, the Revolut Joint account helps you manage your money better, together.

Make sure you keep your New Year’s resolutions on track with a new, smarter way to manage shared finances — available starting today, with no paperwork required.

What can you do with a Joint account?

A Joint account makes shared money simpler by streamlining your joint spend — there's no need to cover costs for each other and settle up later, or to collect receipts to calculate expenses at the end of the month. Expenses are paid from your shared account the moment you use your Joint account card. It’s that simple.

An account made for two

Our Joint accounts are flexible — they're designed for diverse relationships, including partners, friends, family (18+), housemates, or anyone else you want to share your spending with.

• For couples and partners: consolidate living expenses, grocery bills, and other monthly outgoings
• For shared interests: add and use money for expeditions, tickets, merchandise, hobbies, your next pilgrimage, and beyond
• For limited-time projects: think short-term plans like spring break or your next vacation
• For parents and adult children (18+): securely share and track expenses together, perfect for sending allowances to students and managing living expenses for elderly parents

No more splitting bills on trips abroad

Go borderless — you can manage and share 35+ currencies, including Japanese yen, US dollars, and euros, all in-app.

When dining or shopping overseas, you can make payments directly from your shared local currency balance. You don't have to worry about converting currency or keeping track of what you owe your travel partner.

With competitive exchange rates and low fees,¹ you can focus entirely on enjoying the travel experience.

Two cards, one vision

Get matching physical cards for your shared spend, or go virtual. Choose from exclusive designs just for Joint accounts, available in 11 different colours.

You'll each have your own card, so you can make payments smoothly even when you're in different locations. Plus, you'll both receive real-time notifications after every transaction — ensuring complete transparency even when you're apart.

Customise your settings

With individual control over your own card's security settings, you can instantly freeze lost or stolen cards in-app, choose spending limits that fit your lifestyle, and more.

Start now in 3 simple steps

Open a free Joint account in minutes, in your Revolut app.¹

1. From your app's home screen tap Accounts → + Add new
2. Select Joint account
3. Choose the partner you want to invite and send the request. The account will be open immediately once they've approved the request

Make money conversations positive in 2026

Managing money together shouldn't be a chore. It's a tool to prepare funds for your future and maximise your shared enjoyment.

Other important info

• Both customers need to have submitted their MyNumber
• You can add money to your Joint account from your personal Revolut account and via a bank transfer. Card, Apple Pay, and Google Pay top-ups aren't supported²

For more information on Joint Accounts, please refer to our website, T&Cs, and FAQs.

New to Revolut?

If you haven't opened a Revolut account yet, here's a recap of some other key features you could enjoy when you open an account with us.

Global travel essentials

• Exchange currencies in-app at great rates³

• Spend in 150+ currencies with no foreign transaction fees charged by us³

• Withdraw cash from overseas ATMs fee-free up to your plan's limit⁴

• Seamless eSIM data plans for 100+ countries — buy and manage directly in-app
• Convert leftover foreign currency back to JPY instantly

Security and payments

• Instant real-time payment notifications
• Freeze and unfreeze your card instantly via the app if lost or stolen
• Advanced security settings: toggle online payments on or off, magstripe usage, and GPS-based security
• Set monthly spending limits per card to stay on budget
• Supports Apple Pay and Google Pay⁵

¹For Standard plan customers, a delivery fee applies for any physical card ordered, but it remains free to open an account. To use a Joint account, both participants must have a Revolut account registered in the same country and under the same Revolut entity.

²Funds available for Joint accounts, including transfers from your Revolut personal account to a Joint account, are limited to those received via bank transfer (including instant bank top-ups) or via personal transfers from other Revolut users. Please note that funds topped up via credit cards, debit cards, prepaid cards, Apple Pay, or Google Pay can't be used for Joint accounts.

³For Standard plan customers, an exchange fee of 1.0% applies to transactions made outside of currency exchange market hours, from Friday at 5pm to Sunday at 6pm (Eastern Time). An exchange allowance limit of JPY300,000 (or its equivalent in another currency) applies in each rolling monthly cycle. T&Cs apply.

⁴The amount available for free ATM withdrawals varies depending on the plan. If you exceed the free limit, a 2% fee will be charged, but you will still be able to make withdrawals, ensuring peace of mind in case of an emergency. You can withdraw cash at ATMs inside or outside of Japan using your Revolut card. However, money added (topped up) with a credit card, debit card, or prepaid card can be used for card payments (purchases), but not for cash withdrawals or money transfers. For more information, refer to the Fees Page on the official Revolut website. Submission of your MyNumber is mandatory for all international transfers including ATM withdrawals.

⁵In Japan, Apple Pay and Google Pay aren't available for children under 13 years of age.

For more information about Revolut, visit our How to sign up to Revolut blog post. You can also read our Order your Revolut card and Adding money to your account blog posts.

To view all account options, make sure your app is updated to version 10 or later.