New research from Barclays indicates that nearly one in five Gen Z adults in the UK, aged 18 to 27, consider being single a barrier to reaching their financial goals. The survey found that almost half of single respondents believe having a partner would make them feel more financially secure.
The cost of dating is cited as a significant challenge. Across all age groups, people who date spend an average of £111.74 per month, amounting to over £1,300 annually on dates and dating apps. More than half (52 per cent) of Gen Z adults say these expenses affect their ability to go on dates.
Financial compatibility remains important for younger adults. Seventy-eight per cent of Gen Z respondents said it is important that their partner shares similar financial goals, compared to 70 per cent among Gen X (aged 44-59). Over a third (36 per cent) of Gen Z adults stated they would end a relationship over a financial disagreement, with one in six (16 per cent) reporting they already have.
The study also highlights differences between what Gen Z considers financial “red flags” and their own behaviours. Thirty-eight per cent are deterred by potential partners who lack savings, though 29 per cent report having no savings themselves. Similarly, while 24 per cent view reliance on parental support as negative, 26 per cent admit depending on their parents financially.
Kirsty Adams, consumer finance expert at Barclays said: “When it comes to their finances, Gen Z have to navigate tension between what they want and what feels personally achievable. This is a real challenge for a group so exposed to the rising cost of living, and we can see it playing out in their attitudes towards finances and dating.
“Having a partner helps life’s financial milestones feel more achievable, but dating itself is expensive. Financial security is desirable but is a work in progress for many Gen Zs. We’re not matchmakers, but we do have resources to help every young person, regardless of their relationship status, feel confident managing their money to achieve the milestones that matter to them.”
Barclays provides resources through its LifeSkills programme and Money Management page aimed at helping young people manage money from school through university and beyond. The bank also offers specific accounts designed for students and young people aged 16–17.
Opinium conducted the survey between August 15th and 19th, 2025 with responses from 2,000 UK adults regarding financial confidence and relationships.
More information about Barclays’ services can be found at https://home.barclays/.