Shared accounts

The smart way to
share everyday

86 400 Visa Debit card

Pay together Argue about what to watch, not who pays for streaming

Save togetherReach your goals faster with our great interest rate

Start sharing in seconds Open a shared Pay or Save account in the app in just a few taps

New to 86 400? 

Sign up using the referral code SCORE10 and get $10 after your first purchase.
Once you’ve joined, head to the accounts screen and hit the ‘+’ to open a shared Pay or Save account.  

Offer available for a limited time. T&Cs apply.

Aqua for you, purple for two

Our shared Pay accounts come with a sleek new purple Visa Debit card. With two Visa debit cards you’ll never lose track of what’s what.

When you open a shared account you still have your own Pay and Save accounts to use how you like - whether it’s for your personal daily expenses, a sneaky birthday present or those little indulgences that only you need to know about.

Watch your savings grow together

Reach your shared savings goals sooner with our competitive Save account interest rate of 1.20% p.a. on your shared and individual Save accounts, when you deposit $200+ per month into any of your Pay or Save accounts.

This rate is variable and subject to change. It's made up of a base rate of 0.10% p.a. and a bonus rate of 1.10% p.a.

The bonus rate is paid on balances up to $50,000 per account. You can have up to 3 Save accounts. Interest is calculated on your Save balance daily and paid monthly.

Keep on top of your shared bills

Don’t let the little things add up - get a view of what you’re paying for in the one place and take the work out of staying on top of your expenses.   


With automatic predictions of any regular payments, bills and subscriptions to over 200 companies (across all your 86 400 and connected accounts) — you won’t get caught out.  

Share the everyday expenses

Don’t let small amounts become big problems. With a shared Pay account, have one account for all your day to day spending.

Better yet, you can start spending instantly with Apple Pay or Google Pay. Once you’ve downloaded the 86 400 app and signed up for your individual accounts, you can get a shared account in seconds.
Pay and get paid instantly straight into your shared account via Osko and PayID.

Frequently asked questions

  • What accounts can I open?

    You can choose to open a shared Pay account with it’s own Visa Debit card, a shared Save account, or both!

  • How do I open a shared account?

    Head to the accounts screen and hit the “+” Icon next to 86 400. You’ll then be able to select to open a shared Pay or Save account.

  • What happens to my existing accounts?

    Your individual accounts will remain only visible to you – and you can keep your own Pay and Save accounts to use how you like.

    If you would like to close your existing Pay and Save accounts give us a call on 1300 086 400. Or if you’re overseas: +61 2 9058 7486

    We’re available 8am – 8pm, Monday to Friday (Sydney time).

  • Will I receive another Visa Debit card?

    Yes, you’ll get a shiny new Visa Debit with a shared Pay account. To make it easy to tell which account you’re using, your shared Pay account card is purple. (We hope you love it as much as we do)

  • How do I close a shared account?

    If you need to close a shared account, give us a call.

    If you’re in Australia call, 1300 086 400. Or if you’re overseas: +61 2 9058 7486

    We’re available 8am – 8pm, Monday to Friday (Sydney time).

  • How do I earn bonus interest for my shared Save account?

    If you deposit $1,000 or more into any of your shared Pay or shared Save accounts, you’ll earn bonus interest. Plus, you’ll each earn bonus interest on any accounts you hold in your own name. However, if you deposit $200+ into your individual Pay or Save accounts, you’ll earn bonus interest on your shared Save, and any Save accounts in your name, but anyone you share an account with will not be eligible.