AMP Bank GO joint Everyday Account
One account. Two
lives. Zero fuss.
Forget a 10-page declaration of love, opening a joint Everyday Account is easy. It makes sharing money simple - whether it’s bills, rent, or big life goals.
Doing money together pays-off
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Budgeting with Spaces
Use Spaces to effortlessly set and stay on track with shared goals, without the need for multiple accounts. No need for spreadsheets or complex budget calculations. Just set and forget.
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Earn Qantas Points
Now you can earn Qantas Points on your joint Everyday Account. Link both of your Qantas Frequent Flyer accounts to your joint Everyday Account to earn more points for shared fun.
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Spend together for total clarity
Know exactly who’s spent what and when, so you have greater control of your joint expenses, and greater transparency between you.
Put the joy into joint account
Argue less. Feel secure. Be happy!
Research shows couples that pool money are happier, argue less about money, and build greater financial security over time.¹
¹ Gladstone, Garbinsky & Mogilner (2022); Australian Institute of Family Studies (2024); ANZ & Roy Morgan (2024)
Already have an AMP Bank GO Everyday Account?
Already have an AMP Bank GO Everyday Account?
Frequently asked questions
A joint Everyday Account is a transaction account that allows you to manage your money together, track spending insights, and plan where your combined funds go, doing all this with another AMP Bank GO Personal customer.
A joint Everyday Account is intended for individuals. Both account holders have equal rights and responsibilities in relation to the account.
Please refer to Transaction Account Terms and Conditions and the Everyday Account Target Market Determination on whether the joint Everyday Account is right for you.
You can apply for a joint Everyday Account if you are 15 years or older and have an individual Everyday Account with AMP Bank GO.
A maximum of two AMP Bank GO customers can apply for a joint Everyday Account within minutes using AMP Bank GO, without the need for paperwork or assistance from a customer agent.
Each account holder can only have 1 joint Everyday Account.
To open a joint Everyday Account, both parties must have an individual Everyday Account with AMP Bank GO.
Follow these steps:
- Open AMP Bank GO
- Tap your profile icon at the top right of the home screen
- Select 'Open a new account'
- Choose 'joint Everyday Account' to start the account opening process.
Tip: Both AMP Bank GO customers should request to "Open a new account' in AMP Bank GO to generate their own QR code
You can only open 1 joint Everyday Account.
To open a joint Everyday Account, both customers must first have an AMP Bank GO Everyday Account.
We will only require proof of identity documents when a customer first opens their individual Everyday Account. No additional proof of identity documentation is required to open a subsequent joint Everyday Account with AMP Bank GO.
Yes, the account opening process will time out if it is not completed by both account holders within 30 minutes of the first account holder starting their application. When scanning the QR codes to join both account holders together, the QR codes refresh every 30 seconds.
The opening process is considered finished once the Terms and Conditions are accepted by both account holders. If the 30 minute time limit expires before completion, the application will reset, requiring both parties to begin the process again.
Customers do not need to be in the same location to open a joint Everyday Account, as both account holders need to scan each other's QR codes to complete the process, You can take a screenshot or picture of the QR code and send it to the other party for scanning. Please ensure the QR code is scanned within 30 seconds to successfully proceed with the account opening process.
Note: Setting up account can only be done by the QR codes, the first account holder will need to wait until the second account holder has successfully scanned the first account holder's QR code. Otherwise you will need to contact customer service in AMP Bank GO to fix the timeout issue.
If you continue to experience issues, please contact AMP Bank GO, and a customer service agent will assist you.
When initiating the joint Everyday Account opening process, you and the second person will be prompted with a QR code. To proceed with the account opening, both of you must scan each other's QR code.
Please note, QR codes are valid for only 30 seconds before they automatically refresh. If an error message appears, ensure you are scanning
a valid QR code.
No, QR code scanning is the only available method to open a joint Everyday Account.
Unfortunately not for a business. You can open a joint Everyday Account with another account holder by simply opening an individual Everyday Account and then a joint Everyday Account.
Learn more about banking with AMP Bank
Important information
The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517.
The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517. This information is provided by AMP Bank Limited. Read our Financial Services Guide available at amp.com.au/fsg for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you.
AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice.
A target market determination for these products is available here.
For accounts with BSB number 939 900, that you access via AMP Bank GO, the Terms and conditions that apply are available here.
For accounts with BSB number 939 200, that you access via the My AMP mobile app, the Terms and conditions that apply are available here.
You must be a member of the Qantas Frequent Flyer program to earn and use Qantas Points. A joining fee usually applies. However, AMP Bank has arranged for complimentary membership for new customers who join here. Membership and Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions.
1 Business Overdraft subject to AMP Bank credit approval.
* Double Qantas Points until 30 April 2026
Terms and conditions effective Monday 2 February 2026.
1. The promoter is AMP Bank Limited ABN 15 081 596 009 (AMP Bank), AFSL and Australian credit licence 234517.
2. You can earn Qantas Points through the AMP Bank GO Qantas Frequent Flyer & Qantas Business Rewards Programs by:
being a member of the Qantas Frequent Flyer (QFF) Program and/or the Qantas Business Rewards (QBR) Program; and
linking your QFF or QBR Account by entering your membership number via the AMP Bank GO app.
Membership with the QFF Program and QBR Program is subject to the QFF Terms and Conditions and/or the QBR Terms and Conditions, as applicable.
3. Customers who link their QFF and/or QBR Account via the AMP Bank GO app will earn double Qantas Points on balances (earning 2 Qantas Points for every $10 of their average monthly account balance, up to $5,000,000) within their Everyday Account, Everyday Business Account and/or Joint Everyday Account until 30 April 2026. (Promotion)
4. Terms and conditions in relation to the:
AMP Bank GO Everyday Accounts, Everyday Business Accounts and Joint Everyday Accounts, and
AMP Bank GO Qantas Frequent Flyer & Qantas Business Rewards Program
apply and can be viewed at AMP Bank GO Transaction Account Terms and Conditions.
5. AMP Bank reserves the right to modify, suspend or terminate the Promotion at any time, for any reason, including if any aspect of this Promotion is not capable of running as planned, due to computer virus, communications network failure, bugs, tampering, unauthorised intervention, fraud, technical failure or any cause beyond the control of AMP Bank.
Qantas Frequent Flyer
You must be a member of the Qantas Frequent Flyer program to earn and use Qantas Points. A joining fee usually applies. However, AMP Bank GO has arranged for complimentary membership for new customers who join here . Membership and Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions. Points will be earned on account balances in accordance with the Transaction Account Terms and Conditions. To determine the average monthly balance for your account, add the closing balance from each day in the month together, and then divide the total by the number of days in the month. Qantas Points are calculated at the end of each calendar month and applied to your Qantas Frequent Flyer account within 30 days.
Earning Qantas Points
You must link your Qantas Frequent Flyer account with the Everyday Account in AMP Bank GO to earn 2 Qantas Point for every $10 of your average monthly account balance, up to $5,000,000 in balances. Points will be earned on account balances in accordance with the Transaction Account Terms and Conditions. To determine the average monthly balance for your Transaction Account, add the closing balance from each day in the month together, and then divide the total by the number of days in the month. Qantas Points are calculated at the end of each calendar month and applied to your Qantas Frequent Flyer account within 30 days.
You must link the ABN associated with your Qantas Business Rewards Account with a matching ABN in your AMP Bank GO Everyday Business Account to earn 2 Qantas Point for every $10 of your average monthly account balance, up to $5,000,000 in balances. Points will be earned on account balances in accordance with the Transaction Account Terms and Conditions. To determine the average monthly balance for your Transaction Account, add the closing balance from each day in the month together, and then divide the total by the number of days in the month. Qantas Points are calculated at the end of each calendar month and applied to your Qantas Business Rewards ccount within 30 days.