Join your finances, not your accounts.
Budget together, review spending together, stay aligned — all without opening a joint account or sharing bank logins. Built for UK couples with accounts across multiple countries.
Free forever on Starter. No credit card, no bank login, no Open Banking.
Income
£2,450
Spent
£1,823
Budget left
£627
This month
-12% spending
Privacy
Data stays local
No Open Banking
CSV-first = privacy-first. Your bank login stays with you.
48 UK categories
Council Tax, Childcare, MOT — pre-built for UK life
12 banks supported
Nationwide, Monzo, Revolut, Wise, and more
ICO registered
UK data-protection registration for accountability
48
UK spending categories built in
15
UK bank formats auto-detected
60+
Merchant rules recognise your spending
3
Currencies: GBP, EUR, RON
How it helps
One household view, zero shared logins.
Each partner keeps their own bank accounts. JoinFunds brings everything together for shared budgeting, spending reviews, and financial clarity.
CSV Import, Zero Bank Access
Download a CSV from your bank, upload it here. Your file is parsed in your browser — the raw data never touches our servers. Works with Nationwide, Barclays, HSBC, Revolut, Monzo, Wise, Starling, and more.
Shared Budgets, Separate Accounts
Set household budgets by category and track them together in real time. Each partner imports their own statements — one unified view, no joint account required.
Monthly Reviews Together
Turn money arguments into productive conversations. Flag transactions, leave comments, and review spending side by side. A structured workflow for couples who want to stay aligned.
Multi-Currency for Expats
Track accounts in GBP, EUR, and RON with automatic exchange rate conversion. Built for couples with bank accounts in the UK and abroad.
How it works
Three steps to financial clarity.
Import your CSV
Download a statement from your bank and upload it. The file is parsed entirely in your browser — your raw bank data never touches our servers.
Auto-categorise
60+ built-in rules recognise Tesco, TfL, Council Tax, and other UK merchants instantly. Add your own rules for anything we miss.
Review as a couple
Sit down monthly, flag transactions, discuss budgets, and align on spending. Or review asynchronously — whatever works for your household.
Made for the UK
UK-based, globally connected.
Designed for UK couples who may also have accounts in Romania, Poland, or elsewhere. Real UK categories, real multi-currency, built by people who understand the immigrant experience.
15 UK bank formats + any CSV
Auto-detection for Nationwide, Revolut, Wise, NatWest, Lloyds, TSB, HSBC, First Direct, Chase UK, Monzo, Barclays, Starling, Santander. Manual column mapping works with any bank worldwide that exports CSV — including banks in Romania, Poland, and beyond.
GBP, EUR, and RON built in
Sterling is the base currency with EUR and RON for households with accounts abroad. Automatic exchange rate conversion so you see everything in pounds. Perfect for Romanian, Polish, and other diaspora families.
UK GDPR compliant
Full data export, account deletion, and automated retention cleanup. Your data is stored in AWS eu-west-2 (London), encrypted at rest and in transit. No third-party data sharing.
48 categories for UK life
Council Tax, Childcare, MOT, TV Licence, and everything else unique to UK household budgets. Not generic American categories with a currency toggle.
Why JoinFunds
Not another app that wants your bank login.
We built JoinFunds because no finance app understood how immigrant couples in the UK actually manage money — across countries, currencies, and separate bank accounts.
CSV-first = privacy-first
Most finance apps want your bank login. We never ask for it. You export a CSV, upload it, and the file is parsed in your browser. Your bank credentials stay with you — always.
Built for international UK households
If you have a Nationwide account in the UK and a BT account in Romania, JoinFunds handles both. GBP, EUR, and RON with automatic conversion. 48 UK categories that actually make sense for how you spend.
Designed for couples, not individuals
Shared budgets, monthly spending reviews, contribution tracking. Three privacy levels let each partner decide what to share. No joint account, no compromise.
Ready to budget together without a joint account?
Create your free household in 60 seconds. Import your first bank statement, see your spending categorised, and start budgeting as a couple.