It's either/both - whatever is the case for your personal situation. You just put the total amount you are using to meet the requirements and provide evidence of that amount via bank statements.
You have to show you meet the requirement of at least £62,500 held in full in bank account(s) in your name(s) for at least 6 months before the application date.
So, you do this however you need to.
- If all the money is in your bank account, then you only include 6 months of your bank statements.
- If all the money is in her bank account, then you only include 6 months of her bank statements
- If the money is split across multiple bank accounts, then you provide 6 months of statements from each bank account so that the total savings combined equals £62,500 or more
So, from what you've said, it sounds like all the money (£62,500+) is held in one savings account.
Therefore, for that question, you put the total amount that is sitting in that account and you provide:
- 6 full months of bank statements from that one savings account, showing that the total amount of savings held in the account has been at least £62,500 for the entire 6 months
If you have other accounts with more savings, you don't need to mention them, or include bank statements from them, unless your savings account has less than £62,500 in it.