How do I handle my joint bank account?

If you have a joint bank account linked to Emma, you'll see all the transactions from both yourself and the joint holder imported into the app. This means you can budget for both of you!

If you want to only budget for your transactions, you might want to look at using Emma Spaces.

Spaces allow you to create different budgets for different purposes. So, you can have a budget for your spending, and a budget for the joint account, which includes the joint holder's spending.

Updated on: 26/02/2026