Moving In With Your Partner | Royal Bank of Scotland

Moving in together

Tips to help you create a happy home

Tips to help you set up together

You never really know someone properly until you live together – and you’ll probably discover some habits you hadn’t noticed before! Before you move in, it’s a good idea to talk how you’re going to manage your finances together.

Sharing costs

It’s a good idea to work out how you’ll split the bills before they start coming in. Many couples agree on a joint bank account. If you earn about the same, it’s easy to split things 50/50. If you don’t, the simplest way to spilt things could be to contribute a portion of what you earn.

Writing a will

This is the most important thing you can do. If you own your home together and one of you were to die without a will, the other person might not automatically inherit the property. If you own it as ‘tenants in common’, it could pass to your closest blood relations.

The legal stuff

If you live together as an unmarried couple, you have fewer rights than couples who are. But there are steps you can take to protect yourself. You could get a Living Together Agreement, which is a bit like a pre-nup agreement. It will set out who pays for what and how your assets will be split if things don’t work out. You might want to get legal advice when creating one.

Buying property together

When you buy together as an unmarried couple, or you move into a home that one of you owns, it’s important to talk about ownership. Otherwise, if things turn sour, you may find you have no right to a share of the property. Buying as ‘joint tenants’ means the property belongs to you both, while buying as ‘tenants in common’ means that you have an unequal share. You might want to draw up a declaration of trust.

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Tools to help you plan

Savings Goal Tool

Set up a savings goal to help you move in together.

Budget Calculator

Use our calculator to budget for your joint finances.

Compare my Borrowing Options

Compare the different borrowing options that could help you.

Earn cashback together with Reward


If you and your partner pay your household bills by direct debit, we'll give you 3% back in Rewards with one of our Reward accounts.  That's council tax, gas, electricity, water, phone, TV and broadband bills well... you get the idea. That means for every £100's of household bills you get £3 back.  Monthly fees and terms apply.

Compare our current accounts Learn more about setting up a Joint account
Mobile app

App available on most smartphones to Royal Bank of Scotland customers with Digital Banking and a UK mobile number

Mobile Banking app

Whether you are in rush or just want to make the most of your downtime our mobile app lets you stay in touch with you finances at time that suits you. Plus, beyond checking your balance it's packed full features to let you do your day to day banking:

Pay your bills and friends

Log in using your fingerprint

Learn more about the app
Got a tip about moving in together?

Useful links

Between furniture shopping and planning your house warming, there’s a lot to think about when moving in together. Here are some useful sites to help with the practical and financial side of things.

Find out more about your rights
Advice now

How to manage your money together
Money Advice Service

Don't forget about your post
Royal Mail redirection

The cost of moving day
Money Advice Service

Living together rights
Citizens Advice Bureau

These links are to non-Royal Bank of Scotland websites. Royal Bank is not liable for the accuracy of the information provided on these websites. 

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