It’s worth considering what getting married means for you as your lives come together.

Talking openly about finances is important. It’s good to get an understanding of your different views towards budgeting, spending and debts. Being open about these things can reduce the risk of conflict and help you make better decisions together.

We’ve worked with MoneyHelper to support you and your partner to have important and useful conversations about money.

We also have some tools and information as you start to plan your big day.

Planning your wedding

Review your finances

A personal review is a free service that takes place in branch with a Banking Consultant. They’ll look at your finances to understand what we can do to help you with your money.

Personal review

Set yourself a budget

It’s exciting planning a wedding, but don’t get carried away without thinking about the costs. Our budget calculator can help you work out how much you can save so that your dream day becomes a reality.

Budget calculator

Decide what to include

There is a lot to think about when organising a wedding, so start with a plan. List the things you want and try to stick to your budget. MoneyHelper can give you an idea of what to include and what the average costs are.

The cost of a wedding

Your borrowing options

If you need to top up your savings to pay for your wedding, we have some borrowing options to consider. But it’s important that you compare and select what’s right for you.

Personal review

Your financial future together

It’s important to talk about money. Think about the management of your daily finances and the plan for your long-term goals.

  • Talk about your future goals. Getting married is an exciting time, so factor in your plans for the future. Whether you are thinking about a holiday or a new home, how will you save for it? Having a plan will make your goals more achievable.
  • Discuss family finances. Talk about who will be responsible for the budget and for making sure the bills get paid.
  • Have regular money catch-ups. Taking time to go over your finances will help you keep on top of things. It will also give you the time to talk about any issues there might be. Whether it be weekly, monthly or quarterly, our spending insights tool can help you.
  • Do you want a joint bank account? They’re not for everyone, but a joint bills only account may be something to think about. Have a chat and decide whether this is something you want to consider, if you haven’t already.
  • Talk openly. Not being honest about money can cause real issues, but it’s also important for many people to feel they have some independence. Talk through what level of openness is right for you. Be honest about any debts you’re bringing into the marriage.

We have some useful links that will help you if you need to update your personal details or are thinking about setting up a joint account.

Update your personal details

It’s important to make sure you keep your personal details up to date. You can change your address online in our Mobile Banking app or through Internet Banking. You will have to go to a branch to update your name.

Change your name or address

Joint bank accounts

Joint bank accounts are an easy way to help two people manage money together. Whether you are looking to add someone to an existing account, or open a new account, we can help you.

Joint accounts

Joint savings accounts

With two people sharing one account, you could reach your shared savings goals faster. We can help you understand what savings options would suit you.

Joint savings

As you start your married life together, there are a few things that you may want to think about. For example, telling HMRC about your change in personal circumstances. Letting HMRC know about your new marital status will make sure you are taxed correctly.

It may be worth considering life insurance if you don’t already have it. This can be important if your children, partner or other relatives depend on you financially.

If you already have a life insurance policy or pension, you may want to update your beneficiary details to include your new spouse.

Getting married may also have an effect on your credit score. Marriage alone won’t change your credit file but being ‘financially associated’ will. This is when you share finances, such as a mortgage, bank account or loan.

We have more information to help you understand your financial future together.

Protection for your family

Look after your family, whatever the future holds. Learn more about the different types of insurance policies that could give financial peace of mind to you and your loved ones.

Protect for your family

Have an up-to-date Will

Whether you are getting married, buying a house or starting a family, it’s important to have a Will in place. It could protect your assets, and your loved ones, today and in the future.

Making a Will

Financial association

Having a joint account with your partner will create a ‘financial association’ on your credit file. This could be a joint mortgage, loan or bank account. A lender may then look at information about that person’s credit history when deciding whether to give you credit. While this is not necessarily a bad thing, it’s good to understand what can impact your credit file.

You can check your TransUnion credit score and view your full credit report for free with Your Credit Score, available in our Mobile Banking app or Internet Banking.

Check your credit score

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Life events

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Life events support