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Ending your marriage
The divorce itself. CalmSplit, £159 per person.
Sorting your finances
Property, pensions, savings and debts. A separate process.

These two processes are connected but separate. Your divorce does not by itself decide who keeps what.

Divorce and joint bank accounts

Written by CalmSplit Editorial TeamReviewed by Ramani GillLast reviewed 13 August 2026England & Wales

A joint account stays joint until you close or change it. Either of you can usually take money out, and both of you are liable for any overdraft. Divorce does not close accounts or reassign liability.

CalmSplit takes care of the divorce itself: you answer plain-English questions online and we prepare and manage your application to HMCTS for a one-off £159 per person. Your financial arrangements are handled separately.

  • The divorce ends the marriage. It does not divide your money or property
  • £159 one-off per person for the divorce, court fee paid separately to HMCTS
  • CalmSplit is a self-help platform, not a law firm. Independent solicitor referrals are available
CalmSplit fee
£159one-off, per person

One-off CalmSplit fee. HMCTS court fees are paid separately to the court.

Start your divorce free

No payment to begin. £159 one-off when you are ready to prepare your application. Court fees are paid separately to HMCTS.

See how it works

Sensible steps

  • Agree what the joint account will be used for while you separate
  • Move salary payments to a sole account once you have agreed how bills are paid
  • Ask the bank about a freeze if you are worried about misuse
  • Close the account or convert it once the settlement is agreed

Direct debits and bills

  • List every direct debit and standing order leaving the account
  • Decide who takes over each one
  • Set up the changes on a specific date so nothing bounces

Two separate processes

It helps to keep two things apart. Ending your marriage is a court process that follows a fixed timetable and does not look at your finances. Sorting your finances is about who keeps what: the home, savings, pensions and debts. You can run them side by side, but one does not automatically decide the other.

  • Ending your marriage: the divorce application, conditional order and final order
  • Sorting your finances: an agreement between you, and usually a financial court order to make it binding
  • CalmSplit's £159 fee covers the divorce itself, not a financial settlement

When to get advice

Consider independent legal or financial advice where there are pensions of real value, a business, complex property, significant debts, or where you are unsure whether what you have agreed is reasonable. CalmSplit can refer you to an independent solicitor. That does not change your £159 CalmSplit fee, and we do not take a fee for the referral.

Frequently asked questions

No. The divorce ends the marriage. Money, property, pensions and debts are dealt with separately, either by an agreement between you or by a financial order made by the court. Getting divorced does not by itself end financial claims between you.

Related CalmSplit pages

Online divorce with CalmSplit£159 per person, one-off. Start free and see your route first.Divorce and savingsSavings, investments and what happens to them.Divorce and debtHow debts are treated when a marriage ends.Consent orders explainedHow an agreement becomes a binding court order.Divorce and financesHow ending the marriage and sorting money fit together.

Start your divorce free

No payment to begin. £159 one-off when you are ready to prepare your application. Court fees are paid separately to HMCTS.

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