What will you get with a joint account?

  • Both account holders get a contactless VISA debit card
  • Both people can manage the account through Online Banking and the Mobile Banking app
  • You can apply for a shared, arranged overdraft

How can a joint account help you?

  • Keep track of your shared spending – you can both withdraw, deposit, and make payments
  • Budget together – set yourself a joint budget each month
  • You can open one with a partner, family member, housemate, or friend

Further information about joint accounts

  • Two or more parties can open a joint account. If you need an account with more than two people, please go into your nearest branch to discuss your options.

  • You’ll need to visit a branch if you’d like to remove someone from the account. Just make sure any overdraft debt is cleared before you do.

  • We only need an instruction from one of the account holders to close an account. You can close your joint account in branch, over the phone, by post or using the Webchat function in the Mobile Banking App.

    Any Direct Debits or standing orders will need to be moved and you must ensure all overdraft debt is cleared.

  • Yes. You’ll need your debit card or details of the account you wish to switch from, income details, your home address and the details of any arranged overdraft you have on your existing bank account.

    You can switch both sole accounts and joint accounts into a joint account. Ensure your new account is in joint names before completing your switch.

    You can’t switch a joint account into a sole account until the second party has been removed from the account.

Keep in mind

Keep in mind

  • Both account holders must be aged 18 or over
  • Student Current Account and Youth accounts cannot be made into joint accounts
  • You can both use the benefits and features that come with the account, without needing the approval of the other person
  • Both people named on the account are individually responsible for the balance of the account, including any debts such as an overdraft
  • Credit reference agencies often create a financial link or association between people who have a joint account which could affect your credit rating

Open a joint account

Before you apply, there are a few questions to answer so we can find the right option for you.

Do you want to open a new joint account, or add someone to an existing current account?

Apply in branch

If you would like to add a person to an existing current account please find your nearest branch and book an appointment. You will both need to attend the appointment in branch.

You cannot add someone to an existing account if it is no longer on sale.

Find your nearest branch

Do you bank with Halifax?

Are you both registered for Online Banking or do you both use the Mobile Banking app?

Sign in to apply

Sign in to apply for your new joint account.

Remember, you'll need to apply together side by side.

Sign in to apply

You both need to be registered for Online Banking or use the Mobile Banking app, before you can apply for a joint account online

Start banking online with us for the first time.

Register now

Reset your sign in details or find your username.

Reset now

Download our simple and safe Mobile Banking app.

Download now

 

One of us banks with Halifax

To open a new joint account online,  you’ll both need to hold one or more of the following products with us:

  • Current account
  • Savings account
  • Credit card
  • Loan
  • Mortgage
  • Share dealing

You’ll both need to be able to sign in to Online Banking or the Mobile Banking app. 

Browse our range of products

You can also open a new joint account in branch

Neither of us banks with Halifax

To open a new joint account online, you’ll both need to hold one or more of the following products with us:

  • Current account
  • Savings account
  • Credit card
  • Loan
  • Mortgage
  • Share dealing

Browse our range of products

Once you both have a Halifax product, you’ll both need to:

  • register for Online Banking.
  •  sign into Online Banking or download the Mobile Banking app.
  • apply together side by side.

You can also open a new joint account in branch

Speak to us in person

Speak to us in person

Halifax have hundreds of branches across the UK. If you would prefer to see us in person, just pop into your local branch.

You can also call us on 0345 720 3040. Lines are open 8am – 8pm, seven days a week.
Not all Telephone Banking services are available 24 hours a day, seven days a week.