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Banking & Beyond
This is your bank, redefined. Get powerful daily banking and global freedom. Sign up for free in a tap.
Banking & Beyond
This is your bank, redefined. Get powerful daily banking and global freedom. Sign up for free in a tap.
Financial Partnership, Elevated
Combine your financial lives seamlessly. Open a Teologu Joint Account in minutes and experience the power of synchronized spending, shared savings targets, and complete transparency — all from a single unified dashboard.
Why Couples Choose Teologu
Everything you need to manage household finances together, designed for modern partnerships.
Instant Fund Synchronization
Set up recurring transfers from your personal accounts to keep shared funds balanced automatically. Never manually split contributions again.
Unified Spending Analytics
Track every expense together with detailed breakdowns by category, merchant, and date. Get monthly summaries delivered to both partners.
Shared Savings Targets
Create joint financial goals — from a vacation fund to a new home. Watch your progress together with visual trackers and milestones.
Dual Instant Notifications
Both account holders receive push notifications for every transaction. Stay informed about spending as it happens, maintaining full transparency.
Dedicated Budget Pockets
Organize your joint funds into labeled pockets — groceries, utilities, entertainment. Set spending limits and track consumption against budgets.
Zero Foreign Exchange Fees
Traveling together? Spend abroad without hidden fees. Get interbank exchange rates on weekdays with no markup on joint purchases.
Spend in Perfect Harmony
Eliminate the chaos of managing separate accounts and splitting bills. With Teologu Joint Account, your shared finances operate on autopilot. Schedule recurring contributions from each partner's personal account, and let the system handle the rest.
- Automatic recurring transfers from personal accounts
- Bill payments scheduled directly from shared balance
- Equal or custom contribution splits
- Instant visibility for both partners
Dual Cards, Unified Account
Each partner receives their own physical or virtual debit card linked to your shared account. Choose from exclusive card designs crafted specifically for joint account holders, including premium metal options for our Plus and Metal subscribers.
Physical & Virtual Options
Exclusive Design Collection
Individual PIN Security
Apple Pay & Google Pay
Total Transparency, Zero Surprises
Financial disagreements often stem from lack of visibility. With Teologu Joint Account, both partners have identical access to transaction history, pending payments, and account balances in real-time. Every purchase, transfer, and subscription renewal is logged and categorized instantly.
- Real-time transaction feed for both partners
- Automatic merchant recognition and categorization
- Monthly spending reports delivered by email
- Export to spreadsheets for custom analysis
Organize Your Shared Finances
Create dedicated pockets within your joint account for different expense categories. Set limits, track progress, and never overspend on household essentials.
Housing & Utilities
Rent, mortgage payments, electricity, water, and internet bills in one place.
Groceries & Shopping
Weekly grocery runs and household essentials tracked together.
Entertainment & Dining
Restaurants, streaming services, concerts, and date nights.
Travel & Adventures
Vacation savings, flight bookings, and trip expenses.
Open Your Joint Account in Minutes
No paperwork, no branch visits. Set up your shared financial hub directly from the Teologu app.
Sign Up or Log In
If you're new to Teologu, create your personal account first. Existing users can proceed directly.
Invite Your Partner
Send a joint account invitation via email or in-app. Your partner accepts with one tap.
Verify Identity
Both partners complete a quick identity verification using a government ID and selfie.
Start Managing Together
Your joint account is live. Order cards, set up recurring transfers, and begin your financial partnership.
Your Shared Funds, Fully Protected
We take the security of your joint finances seriously. Every transaction is protected by multiple layers of defense, from advanced encryption to AI-powered fraud detection. Your deposits are safeguarded in accordance with European banking regulations, protected up to €100,000 per depositor.
Learn About Our Security256-Bit Encryption
Military-grade encryption on all communications
Deposit Protection
Funds protected up to €100,000 per depositor
AI Fraud Detection
Suspicious activity blocked in real-time
24/7 Support
In-app chat available around the clock
Frequently Asked Questions
Any two adults who are existing Teologu customers can open a joint account together. Both individuals must be at least 18 years old and have completed identity verification on their personal accounts. You can invite your partner, spouse, roommate, family member, or anyone you share finances with — no marriage certificate or proof of relationship required.
Either account holder can initiate closure at any time. Before closure, you'll need to transfer or withdraw any remaining balance. Pending transactions must be resolved, and any active subscriptions linked to the account should be cancelled. The process is handled entirely within the app, typically completing within 24-48 hours.
Opening and maintaining a Teologu Joint Account is completely free for all plan tiers. Standard card issuance is included at no cost. Premium card designs and metal cards are available on Plus, Premium, Metal, and Ultra plans. Foreign exchange fees depend on your subscription tier — Standard users get fee-free exchange up to €1,000/month, while higher tiers enjoy unlimited fee-free currency conversion.
Absolutely. Your joint account operates independently from your personal Teologu account. You can easily transfer funds between them, maintain separate budgets, and manage each with its own set of cards. Many couples keep personal spending separate while using the joint account exclusively for shared household expenses.
Both account holders have equal access and control. Each partner can view all transactions, make payments, transfer funds, manage cards, and set up recurring payments. Certain actions like closing the account or changing account settings require both partners' approval for added security. You can customize notification preferences individually.
Yes. Joint account deposits are protected under the European Deposit Insurance Scheme up to €100,000 per depositor (not per account). Since there are two depositors on a joint account, the combined protection can reach €200,000. We also employ industry-leading security measures including encryption, biometric authentication, and real-time fraud monitoring.
Ready to Manage Money Together?
Join thousands of couples who have simplified their shared finances with Teologu. Open your joint account today and experience the freedom of synchronized spending.