Think Twice Before Setting Up a Joint Wedding Savings Account, Here's Why

Recently, a man with TikTok account @spillscammer.exe went viral after sharing his bitter experience of a cancelled wedding due to being scammed by his fiancée. According to the man, the bride-to-be had drained their joint savings for the wedding, leaving only Rp29,000.

In response, financial planner and founder of Mitra Rencana Edukasi (MRE), Mike Rini Soetikno, said that committing to save for a wedding is a positive step. However, he warned that using a joint account for savings before marriage carries significant risks.

‘Many couples planning to marry set up a joint savings account for wedding preparations. The intention is positive, but I believe such joint savings are highly risky,’ Mike told Republika on Tuesday, 26 May 2026.

Mike explained that one of the biggest risks is the possibility of the wedding being called off for various reasons, including infidelity, incompatibility, or even unfortunate events like the death of one partner. He noted that such situations could lead to new issues if wedding funds are held in a joint account under both names.

‘One example is the current TikTok case where the joint savings were controlled and withdrawn by one party without the other’s knowledge,’ he said.

Additionally, weddings can be called off due to incompatibility or irreconcilable differences, which may lead to disputes over dividing the savings. ‘When a relationship ends, emotions are still raw and unstable. Discussing the division of joint savings can be extremely difficult,’ he added.