Joint accounts

Yours, mine, and ours.

A joint account with its own money and cards, ring-fenced from what's personally yours. Both of you see everything.

Dara is a cross-border money platform, not a bank. Banking, card, and settlement services are provided by licensed partners. Rates and fees are always shown in-app before you confirm.

The accounts screen in the Dara app showing two separate balances, a personal wallet holding $8,420 that only you can see and a joint account holding $3,150 shared with Ada

Works across a border

One of you can be abroad and the other back home. Pay into the same account from either side, in the currency you already hold, and spend it from either side too.

  • Each of you gets a card on the joint balance, so neither of you has to ask the other to buy something.
  • Money arrives in the currency it was sent in, and the account holds both at once.
The joint account screen in the Dara app holding two currencies at once, $2,100 in US dollars and ₦1,627,500 in Nigerian naira, each with its country flag

See what moved, share the same view, and agree on the big ones

Every payment in and every card spend lands in one list, with the name of whoever made it.

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Built on Circles.

A joint account is a Circle set up for two, with everything visible to both of you. That is worth saying plainly, because it means the account can grow into something larger without you moving to a different product or starting again.

A third person

Someone else joins, and the account keeps the history, the cards, and the rules you already agreed on.

A child's card

Put a card in a child's hands on the same account, with the controls on from the first day.

A savings goal

Set money aside inside the account you already have, without opening anything new.

Questions about joint accounts

Two adults who have both completed Dara verification. You can open one on any corridor where verification and payouts are live on both sides, which today means the corridor between the US and Nigeria, and each corridor that opens brings joint accounts with it.

Yes, and that is the point of it. Each of you pays in from the account you already hold where you live, and each of you spends with a card issued on your own side.

Either of you can leave whenever you want. The share attributed to you sweeps into your personal wallet with no joint rules attached, the other person's balance is untouched, and both of you keep the record.

No. It holds that one purchase from the joint balance and nothing else. Your personal wallet is never involved, so the money that is personally yours stays spendable while you wait on a yes.

It is a Circle set up for two, with everything visible to both of you. A Circle can hold more people, uneven shares, and narrower visibility. A joint account is the arrangement where none of that applies.

Opening one is free, and moving money between Dara wallets inside it is free. Conversion and payouts to outside banks carry the same rates as the rest of Dara, shown in full before either of you confirms.

Read the full FAQ

Open one together.

You both verify once, the account opens with a balance of its own, and a card each follows.