How to set up a joint bank account online
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
To apply for any of these accounts, you must be 18+ and a UK resident. Specific account criteria and eligibility apply.
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 Debit Card each. You'll also be able to manage your joint bank account together using our Mobile Banking app, or via Digital Banking.