Active use of joint accounts with Revolut more than doubled last year, the digital bank has said.

Revolut, which now has 3m users in Ireland, found in a survey that a third of Irish people aren't comfortable discussing money with their partners, whereas those that do believe it contributes to a healthy relationship.

A random sample of 1,000 consumers in Ireland were questioned for the survey, conducted by market research company Dynata. A total of 21,000 people in 21 countries took part in the survey.

Nearly two in five Irish couples agreed that "maximum transparency," ie a joint bank account, is the best way for them to manage their expenses.

Revolut's joint account holders tend to be younger, with couples aged 25-34 representing more than a third of them, and couples aged 35-44 making up a further 20%.

'Groceries', 'restaurants' and 'shopping' are the top three spending categories for Irish couples, suggesting that joint account holders use Revolut for their weekly food shop or to split the bill after dining out.

“There is no right or wrong way for couples to approach their finances, but the consensus seems to be that most individuals want to be open and honest with their partner when it comes to money," said Josh Moloney, product owner of joint accounts at Revolut.

"Joint accounts are a great way of opening the conversation about financial goals, spending habits and long-term financial planning, and they are growing in popularity with Revolut customers.

“Revolut’s ‘one app, all things money’ approach to people’s finances helps to create financial transparency between partners.

"Despite a third of Irish consumers still feeling uneasy about having discussions about money with their other half, a growing majority of people are — and we’re seeing this first-hand through the increased use of our joint account product in Ireland.”

(Pic: Supplied)