Manage your signatories

What you need to know

Removing someone from your account means your account will change from a 'joint account' to a 'sole account'. You can do this by submitting a request online. 

The person remaining on the account will need to start the request,  we’ll then email the person you want to remove and ask them to confirm they're happy to be removed from the account. They'll need access to the mobile app to provide their consent. 

If you have an overdraft limit we will need to complete affordability checks which may increase the time taken to progress the application and which may result in a reduction or removal of your overdraft limit based on the account being in a sole name.

If you are looking to remove a third party, you can also follow the below digital process.

What you'll need

• You will need to have access to our mobile app.

• The person you're removing will also need to have access to our mobile app to complete the request.

Step-by-step guide

1. You must submit your request via our online application form which is accessed via the mobile app.
2. Select the account in the app and scroll down to account settings, then select remove a person. 
3. Once you've reviewed the information, select the option relevant to you. This will either be starting the request to remove someone from your joint account, or consenting to be removed from an account if you've received an email requesting this. 
4. Check and complete the form, this will be prefilled for you.
5. Once we've received consent from the joint party to be removed, we'll action the request within 3-5 working days. If you have an overdraft, this may take slightly longer as we'll need to re-confirm affordability.

What you need to know

Adding someone to your account means your 'sole account' will become a 'joint account’ and both account holders will have equal ownership of any funds or overdrafts. It's important to consider this before adding someone, as you won't be able to remove them in future without their consent.

You can add someone to your account by submitting a request online. Please note, you'll need their consent. This means we’ll ask you for their details so we can contact them to confirm they are happy to be added to the account.  If you both bank with Royal Bank, the process may be quicker and simpler, as we already know you.

Please note:

• You can only add someone to your Reward Silver, Reward Platinum, or Premier Reward Black account if they are an existing customer of the bank.
• You can't add a person to our Savings, Student, Revolve, Select Silver, Select Platinum or Black accounts.