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 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
Joint account: FAQs
Using a joint account, you’ll both be able to:
- Access the account to pay in or withdraw money
- Pay bills and also family or friends
- Get a debit card each
- Use a shared arranged overdraft - if you want one. You'll need to apply for an arranged overdraft
- Choose how you use the account - you can both pay in or just one of you
Arranged overdrafts are available to customers aged 18 years or older and are subject to approval based on our assessment of your circumstances. Overdrafts are repayable in full on demand.
You don’t need to be married to have a joint account. Couples, friends, civil partners and housemates can all open joint accounts.
Joint accounts can be opened by two people. You’ll both have equal access to the money in the account. You’ll both be responsible for repaying an arranged overdraft, if you choose to apply for one.
Anyone with access to a joint account can withdraw and deposit into a joint account.