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Bank Accounts

Joint Bank Accounts

What is a joint bank account?

In most ways, a joint bank account is the same as having your own, except two people have control over the account. Both parties are also responsible for any arranged overdraft (subject to approval). It's great for couples, trusted friends or family members, who want to share part of their banking.

Both people can spend money from the account, and we'll give you a Contactless Visa Debit Card each. You'll also be able to manage your joint bank account together using our Mobile Banking app, or via Digital Banking.

Types of joint bank account

You can open a joint bank account with a range of our savings and current account products, excluding Student and Adapt (child) accounts;

Royal Bank Select - our basic everyday banking account, with the features you'd expect from a standard account, and no fee.

Our Reward current accounts - Earn £4 a month back in Rewards for 2 or more Direct Debits - 2 of those Direct Debits needs to be at least £2 each. Plus, earn an extra £1 a month back in Rewards with 1 mobile app log in. You can also earn at least 1% on spend with our Partner Retailers. Some Reward accounts also include additional benefits, such as mobile phone insurance and travel insurance. Monthly fees apply.

Premier bank accounts - these accounts provide benefits for higher net worth customers to help you get the most from your finances.

Joint savings accounts - A joint savings account can help you save together. Using our Mobile App, you can set up a goal and track your joint progress towards a dream holiday, or perhaps a rainy day fund. 
Learn more about joint savings accounts

Are joint accounts a good idea?

Having a joint bank account can be a great option for couples, family members, or even close friends, who want to share part of their banking. It can help you organise and manage your money together, to better plan how and where you are spending.

However, before opening a joint account, it's important to ensure:

You fully trust the person you're opening it with, as the bank holds both parties liable for matters such as overspending and debt and any subsequent repayments.

You have discussed finances with each other, as both your credit scores will be assessed during your application and once you have a joint account, you will be co-scored. Co-scoring takes into account both parties' credit scores and can affect any future applications for credit you both make.

Protecting against financial abuse

Financial abuse (also referred to as economic abuse) can take a variety of different forms. It might be financial control, exploitation or sabotage. It can happen in a range of different relationships, for instance, with partners, family members, or carers. Financial abuse could happen to anyone. If you think you have been affected by financial abuse, we can offer support.

Frequently asked questions

Get ready to apply

We need to do a few final checks with you. They'll only take a minute.

What would you like to do today?

Important information

Both account holders will have equal ownership of any funds or overdrafts held in the joint account. It's important you consider this when adding someone to your account, as you won't be able to remove them in future without their consent.

The first step is to apply for an account

To find out more, simply choose the account you're interested in and when you are ready, start the online application. You'll be able to request a joint account during the application.

Important information

Adding an account holder to your account will mean your account will now function as a 'joint account'. 

Both account holders will have equal ownership of any funds or overdrafts held in the joint account. It's important you consider this when adding someone to your account, as you won't be able to remove them in future without their consent.

Do we know the person you want to add to your account?

You're all set

Proof of ID will be needed from both of you. You'll need:

  • A selfie (from the front and side profile)
  • Photo ID, such as Driving Licence, Passport or EU ID card

Look out for an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

You're all set

You'll need:

  • A selfie (from the front and side profile)
  • Photo ID, such as Driving Licence, Passport or EU ID card

The person you are adding will need to provide two forms of ID and an address document.

Look out for an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Important information

To remove a person from your account you'll need their consent.

You're all set

Proof of ID will be needed from both of you. You'll need:

  • A selfie (from the front and side profile)
  • Photo ID, such as Driving Licence, Passport or EU ID card

Look out for an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.