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    Doing money together pays-off

    • Budgeting with Spaces

      Use Spaces to effortlessly set and stay on track with shared goals, without the need for multiple accounts. No need for spreadsheets or complex budget calculations. Just set and forget.

    • Earn Qantas Points

      Now you can earn Qantas Points on your joint Everyday Account. Link both of your Qantas Frequent Flyer accounts to your joint Everyday Account to earn more points for shared fun.

    • Spend together for total clarity

      Know exactly who’s spent what and when, so you have greater control of your joint expenses, and greater transparency between you.

         

    Put the joy into joint account
    two people with joint accounts

    A joint account with all you expect, and then some.

    • Joint Spaces - one account, all your shared goals

    • Earn 1 Qantas Point for every $10 average monthly balance**

    • Spending Insights to keep track of shared expenses

    • Zero monthly fees on transaction accounts

    • Zero fees on international transactions

    Join AMP Bank GO
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    Argue less. Feel secure. Be happy!

    Research shows couples that pool money are happier, argue less about money, and build greater financial security over time.¹

    ¹ Gladstone, Garbinsky & Mogilner (2022); Australian Institute of Family Studies (2024); ANZ & Roy Morgan (2024)

         

    two people with groceries

    Joint Spaces

    Set and stick to goals, together

    Whether it’s the weekly food shop, holiday fun, or even a backyard sauna, setting money aside is easier with joint Spaces. Add a photo, set your target, and reach your goals faster - together, without the need for multiple accounts. 

    See how Spaces work
    Join AMP Bank GO
    happy smile couples

    Qantas Points

    Earn Qantas Points together

    With AMP Bank GO, you’ll both be able to turn your everyday banking into Qantas Points. Earn 1 Qantas Point for every $10 on your shared average monthly balance in your joint Everyday Account. Just link both of your Qantas Frequent Flyer accounts to your joint Everyday Account.**

    Earn points easily
    Join AMP Bank GO
    Couple having coffee

    Joint Payees

    Sharing bills got easy

    Paying bills from multiple accounts gets all kinds of tricky. With full access to joint payee contacts and outgoings, you’ll know what bills have been paid and when, without any fuss, or finger pointing.

    See more features
    Join AMP Bank GO
    joint account card tap and pay

    Joint Spending Insights

    Spend with benefits

    Keep on top of shared spending habits with Spend Insights, and get notifications when either of you receive or spend money. No more IOUs, or racking your brain over that random $314.21 someone spent last month.

    Keep it simple with Spending Insights
    Join AMP Bank GO

           

         

    Scan to download

    Download AMP Bank GO and join everyday Aussies who have changed the way they bank for the better.
    QR Code - Joint Account
    Already have an AMP Bank GO Everyday Account?
    Already have an AMP Bank GO Everyday Account?
    Neither of us do

    Neither of us do

     

    Step 1: To open a joint Everyday Account, you’ll both need an AMP Bank GO Everyday Account. Apply in a few minutes all from your mobile phone.

    Step 2: Once each of your Everyday Accounts are open, tap the profile icon and select 'Open a new account’.

    Step 3: Select ‘joint Everyday Account’, scan each other’s QR code to complete the account opening process... and your joint Everyday Account is good to GO.

    Join AMP Bank GO
    one of us do

    One of us does

     

    Step 1: To open a joint Everyday Account, you’ll both need an AMP Bank GO Everyday Account. Apply in a few minutes all from your mobile phone.

    Step 2: Once each of your Everyday Accounts are open, tap the profile icon and select ‘Open a new account’.

    Step 3: Select ‘joint Everyday Account’, scan each other’s QR code to complete the account opening process... and your joint Everyday Account is good to GO.

    Join AMP Bank GO
    we do both

    We both do

     

    Step 1: Great! Complete the following steps together.

    Step 2: Tap the profile icon and select ‘open a new account’.


    Step 3: Select ‘joint Everyday Account’, scan each other’s QR code to complete the account opening process... and your joint Everyday Account is good to GO.

    Open the app to get started

    Frequently asked questions

    A joint Everyday Account is a transaction account that allows you to manage your money together, track spending insights, and plan where your combined funds go, doing all this with another AMP Bank GO Personal customer.

    A joint Everyday Account is intended for individuals. Both account holders have equal rights and responsibilities in relation to the account.


    Please refer to Transaction Account Terms and Conditions and the Everyday Account Target Market Determination on whether the joint Everyday Account is right for you.

    You can apply for a joint Everyday Account if you are 15 years or older and have an individual Everyday Account with AMP Bank GO. 

    A maximum of two AMP Bank GO customers can apply for a joint Everyday Account within minutes using AMP Bank GO, without the need for paperwork or assistance from a customer agent.


    Each account holder can only have 1 joint Everyday Account.

    To open a joint Everyday Account, both parties must have an individual Everyday Account with AMP Bank GO.
    Follow these steps:

     

    • Open AMP Bank GO
    • Tap your profile icon at the top right of the home screen
    • Select 'Open a new account'
    • Choose 'joint Everyday Account' to start the account opening process.

    Tip: Both AMP Bank GO customers should request to "Open a new account' in AMP Bank GO to generate their own QR code

    You can only open 1 joint Everyday Account.

    To open a joint Everyday Account, both customers must first have an AMP Bank GO Everyday Account.


    We will only require proof of identity documents when a customer first opens their individual Everyday Account. No additional proof of identity documentation is required to open a subsequent joint Everyday Account with AMP Bank GO. 

    Yes, the account opening process will time out if it is not completed by both account holders within 30 minutes of the first account holder starting their application. When scanning the QR codes to join both account holders together, the QR codes refresh every 30 seconds.


    The opening process is considered finished once the Terms and Conditions are accepted by both account holders. If the 30 minute time limit expires before completion, the application will reset, requiring both parties to begin the process again.


    Customers do not need to be in the same location to open a joint Everyday Account, as both account holders need to scan each other's QR codes to complete the process, You can take a screenshot or picture of the QR code and send it to the other party for scanning. Please ensure the QR code is scanned within 30 seconds to successfully proceed with the account opening process.


    Note: Setting up account can only be done by the QR codes, the first account holder will need to wait until the second account holder has successfully scanned the first account holder's QR code. Otherwise you will need to contact customer service in AMP Bank GO to fix the timeout issue.


    If you continue to experience issues, please contact AMP Bank GO, and a customer service agent will assist you.

    When initiating the joint Everyday Account opening process, you and the second person will be prompted with a QR code. To proceed with the account opening, both of you must scan each other's QR code.


    Please note, QR codes are valid for only 30 seconds before they automatically refresh. If an error message appears, ensure you are scanning 
a valid QR code.

    No, QR code scanning is the only available method to open a joint Everyday Account.

    Unfortunately not for a business. You can open a joint Everyday Account with another account holder by simply opening an individual Everyday Account and then a joint Everyday Account.

    Learn more about banking with AMP Bank

    • Ways to bank with AMP Bank GO
    • Learn more about Everyday Business Banking
    • Banking FAQs
    • Contact us
    Important information

    The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517.


    The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517. This information is provided by AMP Bank Limited. Read our Financial Services Guide available at amp.com.au/fsg for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. 

    AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice.

    A target market determination for these products is available here.

    For accounts with BSB number 939 900, that you access via AMP Bank GO, the Terms and conditions that apply are available here.

    For accounts with BSB number 939 200, that you access via the My AMP mobile app, the Terms and conditions that apply are available here.

    You must be a member of the Qantas Frequent Flyer program to earn and use Qantas Points. A joining fee usually applies. However, AMP has arranged for complimentary membership for new customers who join here. Membership and Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions.

    1 Business Overdraft subject to AMP Bank credit approval.

    ** Earning Qantas Points

    You must link your Qantas Frequent Flyer account with the Everyday Account in AMP Bank GO to earn 1 Qantas Point for every $10 of your average monthly account balance, up to $5,000,000 in balances. Points will be earned on account balances in accordance with the Transaction Account Terms and Conditions. To determine the average monthly balance for your Transaction Account, add the closing balance from each day in the month together, and then divide the total by the number of days in the month. Qantas Points are calculated at the end of each calendar month and applied to your Qantas Frequent Flyer account within 30 days.

    A jointly held Everyday Account, you can earn Qantas Points equally (50/50) between the joint account holders when both have linked their QFF accounts. If only one account holder has linked their QFF account, that account holder will receive 100% of the Qantas Points earned.