Three-quarters of couples have taken out a joint account - but the hold-outs mistrust their partner over their spending.
Many couples are missing out on financial benefits - by failing to pool their bank resources in a joint account.
Lloyds TSB said today that 27 percent of British twosomes miss out on preferential credit interest rates and increased financial security by not making the move.
When the group which did not have a joint account were asked why this was so, 39 percent said that they either "do not trust" their partner to "spend responsibly" - or don't want their partner to know their own spending patterns!
By contrast, 90 percent of the couples which have pooled their resources in a single account said that it "helped" them with household bills and expenses. Going deeper, 88 percent said that sharing each other's money in this way was just something that couples "should" do.
Commenting on the report Phillip Hodson, a Fellow of the British Association for Counselling and Psychotherapy, commented: "I think some couples get married with their fingers crossed when it comes to that bit about ‘endowing thee with all my worldly goods' and they want to keep enough cash for themselves to escape if necessary."
Lloyds TSB has been much in the news lately, due to its £12.2 billion takeover of rival bank HBOS. The deal, if it is approved by the bank's shareholders, would lead to the creation of the UK's largest financial firm.
