Joint account questions that show how shared money really works
Ask customers who share an account how they set it up, how they split money and what feels awkward. Each question below comes with when to ask it and what the answer tells you.
What joint bank account survey questions tell you
Joint bank account survey questions ask customers who share an account who they share with, what it pays for, how they decide what goes in and how well your app shows who spent what. Shared money has its own frictions, and the answers show where a feature such as labels, limits or alerts for both people would help.
Ask a month or two after a joint account opens, once both people have used it, and keep it to four to six questions. Send it by email to each account holder, or show it on your online banking site, and save the question about separating the account for a longer research survey.
Written answers get a category, a theme, a type and a sentiment, and each response an urgency, so a customer who sounds worried about a shared account reaches your team quickly. Give each response an owner in the inbox, and send feature ideas to Jira or Linear.
- Questions
- 14
- Best asked
- A month or two after the account opens
- Industry
- Finance
- Where to find them
- From library in the Usertick survey editor, on every plan
The 14 joint accounts questions, with when to ask each
Grouped by what they tell you. Use them as they are or change the wording.
Who shares and what for
Ask whether and with whom customers share, what the account pays for and how much goes through it, so you can read the rest in context.
- 01Yes / No
Do you share an account with someone?
A first yes or no. Use logic so customers who don't share an account skip the questions that only apply to joint accounts.
- 02Dropdown
Who do you share it with?
Who the customer shares with, from a partner to a business partner. Select an answer in Results, since a couple and housemates use a joint account very differently.
- 04Multiple choice
What do you use the shared account for?
What the shared account pays for, from rent to travel. The bars show which features matter most, such as splitting bills or a shared savings pot.
- 13Multiple choice
How much of your spending goes through the shared account?
How much spending goes through the shared account, from almost none to all of it. The shares show whether joint accounts are a side pot or the main account.
Setting up the shared account
Check how easy it was to add the second person and whether both can see the account, the setup gaps to fix first.
- 03Customer effort
How easy was it to add a second person to the account?
How easy it was to add a second person. Results shows the average and the share who found it easy; low scores point at the identity check or invitation for the second account holder.
- 08Yes / No
Can both of you see the account in the app?
Whether both account holders can see the account in the app. A No here points at a setup gap to fix before anything else.
- 14Signature
Sign to confirm you both agree to the account terms
A drawn signature saved with the response. Agreement to account terms belongs in your account opening flow, so leave this out of a feedback survey. Signature is on every plan, 1 per survey on Free.
Living with shared money
Learn how the two decide what goes in, how well spending is visible and what feels awkward, before you design shared features.
- 05Multiple choice
How do you decide what goes in?
How the account holders decide what goes in, from an equal split to not agreed yet. The donut shows how many customers might use a tool that splits contributions by income.
- 07Stars
How well does the app show who spent what?
Stars for how well the app shows who spent what. Results shows the average and the share who rated 4 or higher; read it with the matching row in the grid.
- 06Text
What is awkward about sharing money?
The open question on what feels awkward. Answers arrive with a sentiment and a theme, so issues such as unequal spending or privacy group together.
- 09Big scale
How well does the shared account work for you both?
How well the account works for both people, on a 1 to 10 scale. Select the low columns in Results to read what those customers find awkward.
What a joint account should do
Rate each part of the account, let customers weigh what matters and ask what a fair separation would look like.
- 10Matrix
Rate the joint account on each
Opening the account, day to day use, seeing who spent what and setting limits, in one grid. The heat map shows which part customers rate lowest.
- 11Points allocation
Split 100 points across what a shared account should do well
Customers split 100 points across clear labels, splitting bills, saving together, limits and alerts for both. Results shows the average points per item, a guide for what to build first.
- 12Text
What would you want if you ever needed to separate the account?
Asks what the customer would want if they ever separated the account. Ask it with care, in a research survey; the answers show what a fair, simple separation should include.
Tips for asking about joint accounts
Small choices that get honest, useful answers.
- 01
Ask both account holders
Send the survey to each person on the account. Their answers on fairness and visibility can differ, and both matter.
- 02
Wait until both have used it
Ask a month or two after opening, once both people have made payments from the account.
- 03
Handle separation questions with care
Ask about separating an account only in a longer research survey, and keep the wording neutral.
- 04
Turn awkward moments into features
Read the awkward and separation answers by theme, and share them with the product team before you plan shared features.
Add these questions to a survey
From the library to the first answers.
- 1
Open the library
In the Usertick survey editor, choose From library, filter by industry and topic, and add several questions at once.
- 2
Or paste your own list
Paste questions reads up to 10 questions from any text on Free, 100 on Starter and 200 on Pro and above, keeps your wording and picks an answer type for each.
- 3
Choose where it runs
Show the survey on your website, send it by email, share its link and QR code, or switch it to a conversation.
- 4
Read the answers
Results counts every score and choice, and Usertick reads each written answer and files it by topic, on every plan.
Templates and more questions about joint accounts
Full surveys that ask about the same things, and neighboring topics in the library.
Templates
Browse all templatesFrequently asked questions
Each account holder, separately. Send the survey by email to both people, so each answers for themselves.
A month or two after the account opens. Usertick sends to a contact list now or on a date you schedule up to 30 days ahead.
Four to six. Start with who they share with, ask how easy it was to add the second person and how well the account works for both, and end with the open question.
Yes. The question library comes with every plan, the free plan included, and the free plan covers 150 responses a month across your surveys.
Yes. Once a question is in your survey, reword it, change its options or its answer type, and add logic to skip it for some answers.
Yes. The library is translated into Usertick's built-in languages, and in any other language it shows in English for you to translate.
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