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Joint Accounts
Getting a joint bank account can help two people manage their money easily and effectively.
What you'll get with a joint bank account
- A contactless VISA debit card for each person
- Apply for a shared, arranged overdraft
- Account access through Online Banking and the Mobile Banking app.
Why choose a joint bank account?
- Better budgeting – set up a joint budget for you both each month.
- Track shared expenses such as bills, groceries and other joint household spends.
- Open with a partner, friend, family member, or housemate – you can both withdraw, deposit and make payments.
- Save money – if you open a joint packaged account, both of you get the everyday cover you need, for one monthly fee.
Let’s take a closer look
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Only two people can open a joint bank account.
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Both joint account owners usually have the right to withdraw money from the account. They are also responsible for any fees, charges, and overdrafts which may impact their credit scores.
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Yes - Joint bank accounts are available for unmarried people, housemates, friends, and relatives.
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You’ll need to visit a branch if you’d like to remove someone from the account. You’ll need to make sure that any overdraft debts are cleared first.
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You can close your joint bank account by phone, in branch or using the Webchat function in the Mobile Banking app.
Make sure any overdraft debts are cleared and any standing order or Direct Debit charges are moved before doing so.
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Yes, it’s easy to switch your joint account to Halifax. You’ll just need to provide details of the account you’d like to switch from, such as your:
- Debit card
- Home address
- Income details
- Any arranged overdrafts currently on the account
You can switch either a solo or joint account from a previous bank into a joint bank account with us. Just make sure both people’s names are on the new account before making the switch. Keep in mind, you can’t switch a joint bank account into a solo account until the second party is removed from the account.
Open a joint bank account
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
Once you both have a Halifax product you'll need to:
- register for online banking
- sign into online banking or download the mobile banking app
- apply together side by side.
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