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No you have plenty of time to open a joint account and start saving money in it. Just add your name to your wifes account. should be done straightawayhank you all. The problem now is that we haven't got a joint account as my wife has been in the country since 2004 and as such she already had about three accounts. It just didn't occur to us to open one. Her visa expires 15 January 2010. Is it too late for us to open a joint account? Thank you