While UK couples are happy to share their homes, cars and beds with each other, many take a 'hands off' approach to their current accounts.
Almost four in ten people (39%) who are in or have been in serious relationships have resisted taking a joint account with their partner, according to Norwich & Peterborough.
The main reason for keeping money separate is that people view money as theirs and theirs alone, adopting the attitude of 'my money is my money'.
Around a quarter (25%) of people that shun joint current accounts do so because they believe the process would be too much hassle, while 11% think of it as being too much of a financial commitment.
A secretive one in ten women said they wouldn't want to share their current account because they didn't want their partner to know what they were spending their money on.
Of the 61% of people who have held or hold a joint account with their better half, the most common reason given is that it is convenient for paying bills.
Four in ten joint current account holders say it is easier for them to keep a check of their financial ins and outs.
Couples in Norwich are the most likely to have a 'what's mine is yours' approach to their money, with seven in ten having a joint account.
Trying to agree on a joint account in Newcastle is a far hardier task, however, with one in five Geordies reluctant to let their partner in on their spending habits.
"The vast majority of people who have had a joint account seem to have had a positive experience," Ewan Edwards, head of current accounts at N&P, said.
"But there is a reluctance to open a joint account with a partner because one person does not want to share their money, is concerned that their loved one will spend more than they are entitled to, or it is too much hassle to set up in the first place.
"There are many good reasons why a joint account works well in a relationship. Those who have their own individual accounts plus a joint account for household bills do so because it is the easiest way of keeping track of their household finances."
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