The latest Lloyds Bank Family Savings report reveals an increasing number of secret savers, with 2.4 million people in the UK currently hoarding an average hidden savings pot of £1,262.
This contributes towards a UK secret savings stash of just over £3 billion, some 9% more than last year's total of £2.8 billion.
Interestingly, one in 10 savers keep some of their savings secret from their partner, with women more likely than men to keep clandestine accounts, while the typical secret saver keeps around one third (34%) of their savings secret, up from 28% in 2013.
Despite some loosening of the domestic purse strings in the past year, the report also shows that younger couples continue to save more independently.
Overall, the UK now keeps almost two-thirds (63%) of their savings and investments in sole accounts – and the younger a couple is, the more likely they are to save individually.
Indeed, while the split is almost 50/50 for those aged 55 and over, 82% of 18-24 year-old couples choose to save individually, up from 80% in 2013.
Of those with joint savings accounts, just under half (49%) expect their partner to tell them before spending from it, with only one in 10 (9%) saying they wouldn't mind if their other half splashed the cash without saying something first.
However, the average amount that would fine to spend without having to ask a partner's permission has risen to £286, up significantly from £183 in 2013.
Men's spending tends to be more monitored, with males requiring permission to spend £245 or more, compared with an average 'free spending limit' of £321 for women.
"The number of couples keeping savings secret is on the rise," said Philip Robinson, savings director for Lloyds Bank. "However, it is worth considering pooling funds between partners as combined savings could provide greater returns on interest."
Indeed, some savings accounts pay tiered rates of interest, meaning the more you can put away, the better the rate that will be paid. It could also be worth combining your cash for a savings account that requires a larger deposit, as these can often pay better rates.
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