Life Moments

Getting married guide

Plan ahead for the big moment

First things first – Congratulations! What an exciting moment. Whether you’re planning for a big traditional wedding or an intimate ceremony, use our guide to help you with planning, budgeting and saving. 

Financial considerations

Along with the excitement of planning a wedding comes the important financial decisions that need to be considered once you're married. 

Read on to see some of the financial things you should consider before and after you tie the knot.

  1. 01

    Joint or separate accounts?

    Should you keep separate accounts or put everything into a joint account?  Whatever you decide, this is an important issue to tackle as you begin your married life. 

    View our current accounts

    Specific account criteria and eligibility apply.

  2. 02

    Conversations around debt

    Conversations around debt are important but even before marriage. Begin by having open and honest conversations with your partner around what you own and owe and then you can make the best decisions about your money as a couple.

  3. 03

    Setting financial goals

    Where do you both see yourself in 5, 10 or 20 years time? One way to start the conversation is for each of you to draw up a list of short and long-term goals, then compare lists and decide which items to prioritise. 

    Our Financial Health Check will focus on your needs and goals, and could help you to make better decisions about your finances, now and in the future.

    Get your finances into shape with a free Financial Health Check

Save towards your wedding fund

If you do need to save up for your wedding, you could set up a savings goal, and also think about taking out a saving account to put money away.

Keep track of your finances

Spending too much on certain things? You can set yourself budgets in different categories on the mobile app to help you find those non-essential items to cut down on. 

Available to customers aged 16+. Only available for Personal and Premier Current accounts.

Start saving for your wedding funds

From flexible instant access to longer term fixed rate savings, explore our savings page to help you find an account that suits your needs.

Individual account eligibility criteria and conditions may apply.

Set yourself a savings goal to stay on track

The Savings Goal Tool in our app makes it easy - tell us how much you need to save, when you need it by and we'll work out what you need to save each month to get there, then help you track your progress. 

Available to existing customers with an instant access savings account.

Save together with a joint account

Having a joint savings account is the same as having one on your own, except two people have control over the account, and can pay in and withdraw funds from the account. 

To apply for a joint savings account, you need to already hold a current account with us. Find out more about our current accounts if you don't have one already.

Thinking about a loan?

You might want to look at borrowing some money to top up your savings and cover your wedding costs. 

Representative 3.4% APR for personal loans between £7,500 and £19,950. 

Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount may differ from the Representative APR.

To apply, you must be 18+ and a UK resident with a Royal Bank of Scotland current account (held for 3+ months).

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