A third person
Someone else joins, and the account keeps the history, the cards, and the rules you already agreed on.
Yours, mine, and ours.
The Circle set up for two: its own money and cards, ring-fenced from what's personally yours, and both of you see everything.
Dara is a fintech company, not an FDIC-insured bank. Banking and card services provided by licensed partners. Protections vary by product.
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.
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 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. Joint accounts work on every corridor Dara runs, and every corridor that opens brings them along. Supported countries are live at launch.
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.
Open one together.
You both verify once, the account opens with a balance of its own, and a card each follows.