Overlay
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. 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 both parties are also responsible for any arranged overdraft (subject to approval).

It'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.

What current accounts can I open or make joint?

You can only open and then add to our Select, Reward, Premier Select or Premier Reward account in a sole name and then request to add a party to make this joint, or you can request to add to an existing one of the above acounts to make this joint.

Revolve and Student accounts can only be opened and owned in sole names.

Any account that includes the following in the product name, Silver, Platinum, Black, Student, Revolve can't be added to.

 

 

How to set up a joint bank account online

Opening a joint bank account with the Royal Bank of Scotland may include a few extra steps than when you’re opening an account on your own. To set this up, you’ll need to add the new party to your new or existing current account.

Frequently asked questions

Get ready to apply

To speed up your application, we’ll need to do a few final checks with you. They'll only take a minute.

  • If you’re adding someone to your accounts, they’ll need to be aged 18+ and a UK resident 
  • If you’re removing someone from an account, you’ll need to make sure you have their permission 

We currently can’t add a new person to bank accounts that use “Travel account”.

Are you adding or removing someone from your account?
Are they also a Royal Bank of Scotland customer?
Which account are you changing?
You can check which type of account you have on Digital Banking or through the mobile app
Do you have an overdraft on your account?
Select 'Yes' if you have an overdraft on your account, even if you aren’t using it at the minute. You can check if you have an overdraft using Digital Banking or the mobile app.

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

  • Adding someone to your account will change it into a Joint account. You’ll both share responsibility for the joint account and any money in it
  • Once added, you’ll need the other person’s permission to remove them from the account

 

What you’ll both need:

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

You’ll both receive an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Do you have our mobile app?
Let us know if you have our mobile app on the device you're using right now.

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

 

  • Adding someone to your account will change it into a Joint account.
  • You’ll both share responsibility for the joint account and any money in it.
  • Once added, you’ll need the other person’s permission to remove them from the account.

 

What you’ll need:

To find the person you’re adding, we’ll need their full name and one of their Royal Bank of Scotland sort code and account number

You'll need our app to continue

To add someone to your account, you’ll need to use our mobile app.

It won’t take long to download and get set up.

You just need:

 

  • Your Digital Banking PIN and password
  • Your mobile phone to get your one-time passcode

Apply using your mobile device

Scan the QR code on your mobile device that you’ve got the app on. You’ll then be able to apply in a flash.

Do you have an overdraft on your account?
Select 'Yes' if you have an overdraft on your account, even if you aren’t using it at the minute. You can check if you have an overdraft using Digital Banking or the mobile app.

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

  • Adding someone to your account will change it into a Joint account. You’ll both share responsibility for the joint account and any money in it
  • Once added, you’ll need the other person’s permission to remove them from the account

 

What you’ll both need:

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

You’ll both receive an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Do you have our mobile app?
Let us know if you have our mobile app on the device you're using right now.

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

 

  • Adding someone to your account will change it into a Joint account.
  • You’ll both share responsibility for the joint account and any money in it.
  • Once added, you’ll need the other person’s permission to remove them from the account.

 

What you’ll need:

To find the person you’re adding, we’ll need their full name and one of their Royal Bank of Scotland sort code and account number

You'll need our app to continue

To add someone to your account, you’ll need to use our mobile app.

It won’t take long to download and get set up.

You just need:

 

  • Your Digital Banking PIN and password
  • Your mobile phone to get your one-time passcode

Apply using your mobile device

Scan the QR code on your mobile device that you’ve got the app on. You’ll then be able to apply in a flash.

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

  • Adding someone to your account will change it into a Joint account. You’ll both share responsibility for the joint account and any money in it
  • Once added, you’ll need the other person’s permission to remove them from the account

 

What you’ll both need:

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

You’ll both receive an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

We need to know which type of account you’re changing

You can check which account you have using Digital Banking or our Mobile app. 

You can only add someone to the following types of account:

  • Select
  • Reward
  • Foundation

 

Got a different type of account?

We can’t add a person to some types of account including our Saving, Student, and Revolve accounts. We’re also unable to add someone to our Silver, Platinum and Black accounts.

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

  • Adding someone to your account will change it into a Joint account. You’ll both share responsibility for the joint account and any money in it
  • Once added, you’ll need the other person’s permission to remove them from the account

 

What you’ll both need:

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

You’ll both receive 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.