Joint Accounts

Joint accounts are an easy way to help two people manage any joint spending such as bills or fees. Whilst giving them both equal access to the account.

With a joint account you will both have:

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

Keep in mind the following:

  • 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.

How to open a joint account

New to Halifax

One of you can get things started by opening an account online. You will both then need to come into branch to make this a joint account.

Existing Current Account Customer

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

We may need some identification to get your current account opened.

Existing Halifax bank account holders can use your bank card as a form of ID. New customers will need to bring an acceptable form of ID into branch with you.

Please take a look at our acceptable forms of identification.

  • Ensure you add the other account holder to your new account before completing your switch.

    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.

    All arranged overdraft applications are subject to approval after our assessment of your circumstances, and are repayable in full on demand.

  • A request to remove someone from your bank account can be made in branch and will only be accepted where the account is in credit.

Reward Current Account

Everyday banking and you'll get access to a monthly Reward, too. You may need to pay a monthly fee to maintain the account.

Reward Current Account

Ultimate Reward Current Account

Travel insurance, mobile phone insurance, car breakdown cover and more. You’ll need to pay a monthly fee to maintain this account.

Ultimate Reward Current Account

Find your nearest branch

Visit us in branch and our staff will be happy to help. In busier periods when staff may not be immediately available, we’ll be happy to book an appointment for a later date. Alternatively, make an appointment at your local branch.