The Way Out Union of two people cannot work great in case of union of bank accounts. The money spend on cigars cannot be compared to money spent on sugar in kitchen. It will soon raise several questions about contribution on ratio of incomes, who enjoys benefits of expenses more and most importantly, who puts in how much of money. Do you feel it's possible to be madly in love and at the same time be hoggish in money matters? Well, joint accounts can sound as a symbol of togetherness when it comes to pay EMIs, rents and daily expenses. But separate account will keep your freedom preserved. But in relationships, reality takes a back seat compared to perception.