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When you’re living with someone, from your partner to mates, a joint account might seem like a sensible option for splitting shared costs. And once you’re married you might be tempted to take things further and pool all your finances in the same account.

I’ve taken a look at the good and the bad when it comes to joint accounts, including how to make sure opening one doesn’t hit your credit report and why it’s vital you keep some money separate.

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Further reading

> My guide to the best current account switching offers and incentives

> Check your credit score for free

> Protecting against financial abuse (Money Advice Service)