Around 58 per cent of couples that live together or have done so in the past have kept separate current accounts.
This suggests that many couples try to keep a financial distance from their partners, just in case it goes wrong.
Online bank first direct revealed this figure in a new poll. It also found that 21 per cent of couples have one joint current account from which the bills are paid.
Just one in five couples (20 per cent) decides to combine their finances into one current account when they move in together.
Richard Brown, senior savings product manager at the firm, said: "There is less pressure for moving in to be a lifelong commitment so couples are remaining more independent with their finances when they do.
"But while couples may feel that there is no longer any need to pay for everything jointly … it would still benefit them to pool their savings as the larger their pot, the higher the interest rates on offer."
The main reason behind keeping a separate current account is that it is important to keep a financial distance from a partner (26 per cent).
Couples looking for a joint or separate current account and/or savings account may like to use a price comparison site, such as MoneyExpert.com, to do so.
That is because the site lists all of the accounts currently on the market, with their benefits and interest rates.
HSBC could be an option for some as the bank intends to send text alerts to its current account holders when they are reaching their overdraft limit.
It is hoped that this will stop people going over their overdraft limit, which will prevent them from being charged.
The bank will also suggest its Pay Monthly Account to customers who rack up over £180 in overdraft charges each year, as this account will not allow consumers to go over their limit.