Is it necessary for both parties of a couple to have individual multiplier accounts? Can we just have 1 and maximise amount and interest that way?

Hi Anon,

It really depends on how you manage your finances as a couple.

The major 'hack' is for both to be Salary Crediting into a Joint Savings account. And both can separately open their own Multiplier to maximise the interest to be earned on the balance in the Multiplier. If for example B is ok to transfer A funds to sit in A's Multiplier then why not? But it will be hard to calculate actual interest earned by each person. But if B wants to manage their Multiplier on their own, they can look at meeting other criteria as well.

Note that the Primary card holder gets the total spend go towards credit card spending (i.e. any supplementary card spend goes under primary card holder's spending) and that any reversal/refund will negate the credit card spend. Also Multiplier will be slashing rates further in August :'(

Hope that helps!