, sounds a bit cumbersome to me. Online reporting takes no envelopes, no stamps, no photocopies, and takes 5 minutes, and usually, I get the approval in a few days. But up to you :-)
, you can have a shared account. But to get extension etc. you will need to have 800k per person for retirement visa on the account you show to immigration. I have a shared account with my wife plus a personal account. I use the last one to show money to IM.