Joint Accounts

Joint bank accounts are an easy way to help two people manage money, together. You’ll be able to pay for bills, save up and make purchases together.

With a joint account you will both have:

  • Your own individual debit cards
  • Access to view your account with our Mobile App and Online Banking
  • Use of any benefits and features that come with the account

Keep track of your spending

It’s easy to keep track of shared spending when you have a joint account.

Pay your bills from one account

Paying bills from the same account means you won’t have to transfer money between accounts each month.

Budget together

Set yourself a joint budget and spend it together on the things that matter the most.

Keep in mind:

  • Both account holders must be aged 18 or over
  • Student Current Account and Youth accounts cannot be made into joint accounts
  • Both people named on the account are individually and jointly responsible for any debts on the joint account
  • 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 new joint account

In order to open a new joint bank account with Halifax, both of you will need to visit a branch, but one of you can get this started by applying online.

  1. Start your application for a sole current account
  2. Book an appointment in one of our branches to add the second person and complete your joint account application
  3. Both of you will need to visit the branch and bring proof of ID*, which in most cases can either be a UK driving licence, passport from the United Kingdom or Biometric Residence Permit card. If you do not have any of these forms of ID, you will need to provide proof of your identity and address using any of these documents.

Choose your account and apply

Find your nearest branch

Add someone to an existing bank account

If you are an existing customer you can turn your current account into a joint account by going into branch.

  1. Book an appointment in one of our branches to add the second person and complete your joint account application
  2. Both of you will need to visit the branch and bring proof of ID*, which in most cases can either be a UK driving licence, passport from the United Kingdom or Biometric Residence Permit card. If you do not have any of these forms of ID, you will need to provide proof of your identity and address using any of these documents.

Find your nearest branch

*If you are an existing Halifax customer, you can use your bank card as identification.

Why get a joint account?

Paying shared bills is much simpler with a joint account. Easily set up Direct Debits or standing orders to pay regular bills, your rent or your mortgage.

You’ll still get some of the benefits of an individual account, like your own debit card, along with the ability to both pay in and withdraw money, whenever you want.

With a joint account you can budget together. You can both pay into the account and choose to spend money as a pair.

Switch your joint account

Current account switch service logo

You’ll need a few details of the current account you are switching from. These include:

  • Your debit card details
  • Your current account details
  • Income details
  • Your current address
  • Details of any arranged overdraft you have

Make sure you’ve added the other person to the account before you complete your switch.

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

Removing someone from a joint account

You can remove someone from the account in branch. Just make sure any overdraft debt is cleared before you do. Both of you will need to sign forms agreeing to the removal.

You’ll also need to tell us if any standing orders or Direct Debits will need moving, or if they will continue to be paid from this account.

Joint account: FAQs

Compare our joint bank accounts

Current Account

Free everyday banking. Manage your money 24/7, at home or on the go. It's that simple.

No monthly maintaining the account fee

Current Account

Reward Current Account

Get more from your account with a monthly reward. There’s a £3 monthly maintaining the account fee. If you pay in £1,500 or more each month you won’t pay the fee.

Reward Current Account

Ultimate Reward Current Account

Travel insurance, mobile phone insurance, car breakdown cover and more. There's a £17 monthly maintaining the account fee.

Ultimate Reward Current Account

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.