A new HSBC UK survey reveals that while 75% of British couples view financial compatibility as vital for relationship success, 41% wait until engagement or marriage before having serious discussions about money. The nationwide study of 2,000 adults, conducted in June 2025, explores how couples navigate finances from early dating to long-term commitments, offering insight into the pressures and silence that often surround financial matters.
The findings point to a communication gap, with 58% of couples admitting to arguments about money. Carl Watchorn, Head of Customer Propositions at HSBC UK, said, “This research reveals opportunities for better financial communication. Money talks aren’t just about budgeting, they are about trust, priorities and building a future together.” He continued, “But many people still struggle to bring finances into the conversation, even as life gets more expensive. Breaking that silence earlier can make a real difference to couples’ wellbeing.”
When it comes to early dating, spending habits vary significantly. The survey shows that 36% of Brits typically spend between £50 and £100 on a first date. Those aged 25 to 34 are the most likely to spend heavily, with 13% paying between £301 and £400. People aged 55 and older average £92 per date. Spending also differs by location, with Londoners averaging £260 compared to £132 in Leeds and £144 in Plymouth. Splitting the bill has become common, with 36% preferring to divide costs equally. Among 45 to 54-year-olds, this figure rises to 50%.
Despite the recognition of financial compatibility, many couples still postpone money talks. In addition to the 41% who wait until engagement or marriage, 40% delay the conversation until they move in together. Another 35% wait until a financial problem forces the discussion. Notably, 28% of respondents say they avoid the topic altogether. Marriage appears to prompt more financial integration, with 71% of married couples using joint accounts. In contrast, only 30% of dating couples do the same. These joint accounts are most often used for bills at 52%, followed by shared savings goals at 32%, and holidays at 20%. Watchorn remarked, “There’s still a sense of awkwardness or even fear around talking about money, especially early on. But honest conversations about spending habits, saving goals and priorities can prevent conflict and set couples up for longer-term success.”
Weddings tend to increase financial stress, with couples overspending by an average of 31%. The average wedding now costs £13,520, which is £3,000 more than planned. Younger couples aged 25 to 34 overspend the most, averaging £21,553 against a planned £14,706. Guests also face rising expenses, spending an average of £473 per wedding on accommodation at 33%, outfits at 17%, and gifts at 15%. As a result, 35% of respondents have turned down wedding invitations for financial reasons, with this figure reaching 48% among those aged 25 to 34.
Watchorn explained: “Today’s couples are navigating the delicate balance between creating their dream wedding and maintaining financial wellbeing. While social pressures can influence spending decisions, we’re seeing more couples having open conversations about costs and priorities. This shift towards financial transparency is helping people celebrate life’s big moments while staying true to their long-term financial goals.”
HSBC UK is offering practical support through its Savings Goals feature, which currently supports nearly 20,000 monthly savings targets ranging from honeymoons to house deposits. Since launch, over 100,000 goals have been set, with 10% already achieved. The bank also provides free budgeting tools, joint savings features, and expert guidance to help couples manage their finances. Watchorn concluded, “From first dates to wedding days, the research shows that money conversations play a crucial role in modern relationships. At HSBC UK, we’re here to help couples have more open discussions about finances, offering practical tools and guidance to support them at every stage of their relationship journey.”
