> ## Documentation Index
> Fetch the complete documentation index at: https://help.finerd.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# How joint-account transactions work for both partners

> Every new transaction from a joint account appears for both partners. The shared money movement stays linked, but each partner can keep their own categories, merchants, and reports.

## How a joint-account transaction appears

When an account is shared as joint, new transactions from that account appear in both partners' spaces. Both partners see the transaction because both partners need the joint account balance and history to stay correct.

The transaction is family by default.

## Categories and merchants are applied per partner

finerd analyzes the transaction separately for each partner. It can use your previous similar transactions, your category list, and merchants to choose the best category and merchant name in your space.

Your partner gets their own version using their own history, categories, and merchants.

<Note>
  **Example** The same YouTube transaction can appear as **Entertainment** for you and **Subscriptions** for your partner if that matches how each of you usually tracks similar spending.
</Note>

## How category changes work

Nothing changes for your partner. Your category change updates only your reports and your view of the transaction.

Your categories are not synced with your partner's categories. Changing Groceries to Beauty, or Beauty to Groceries, does not rename your partner's category or rewrite their reports.

## How amount and currency changes work

Only the account holder can change the amount or currency.

If the account holder changes the amount or currency, finerd reprocesses the transaction as a new transaction. finerd marks the transaction for review so the receiver can spot the change.

## How split transactions work

Splits change the structure of the shared transaction. Only the account holder can split the original joint-account transaction into multiple allocations.

The receiving partner sees the updated split structure. They cannot split transactions where the joint account is selected; they can only change the money destination for all allocations.

## Further reading

* [Share an account with your partner](/family-accounting/share-account-partner)
* [How shared transaction updates work](/family-accounting/shared-transaction-updates)