Also UK, mostly because it's easy to get one account, fairly easy via your phone to get a joint. I have 3 accounts, one for salary deposits, one for bills and

Also UK, mostly because it's easy to get one account, fairly easy via your phone to get a joint. I have 3 accounts, one for salary deposits, one for bills and one for spending so that I always know bills are covered every month without thinking about it and my "fun money" being pre-allocated each month helps me be mindful of my spending. Since moving to that system I've been able to save significantly more each month.