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Open a joint current account

Joint bank accounts

To open a joint account, you must both be 18+ and a UK resident. Specific account criteria and eligibility apply.

An easier way for two people to manage money

Sharing a bank account with your partner or friends can make it easier to take care of shared expenses and bills. 

A joint account still lets you do all the things you can do with a sole account, but you’ll share control and responsibility with someone else. 

Once you’ve added someone to your account, you’ll both get a contactless bank card and access to the joint account on our mobile app and Digital Banking.

Choose the best joint bank account for you

Our Select, Reward, Premier Select or Premier Reward accounts let you add a second account holder. You can either add them to an account you have or open a new account and add them later.

Select account

Our basic current account

Our Select account is a basic bank account that gives you everything you need for your day-to-day banking needs:

  • Monthly fee free banking.
  • Take care of your bank account on the go with our mobile app and Digital Banking. Criteria apply. 
  • Pay however you like with Apple Pay, Google Pay™ and contactless. Limits apply. 

To apply, you need to be 18+ and a UK resident.

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Reward account

Earn money back in Rewards

With the Reward bank account, for a £2 fee, you could:

  • Earn up to £5 a month back in Rewards.
  • Redeem your Rewards as cashback, gift-cards or e-codes with a range of retailers.
  • Even donate your Rewards to charity if you like.

To apply, you need to be 18 or over and a UK resident. To hold this account, you need to pay £1,250 into an eligible Royal Bank account every month. To earn £5 rewards, you earn £4 a month back in rewards for two or more Direct Debits (at least £2 each) and an additional £1 a month back in rewards with one mobile app log in. If you have an existing Select account you’ll need to covert it to Reward.

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How to open a joint bank account

To get a joint account, you’ll first need to open a sole account and then add someone to it. You can choose an account you already have or set up a completely new one. To find out the best way for you to add someone to your account, you can use the filters below:

Frequently asked questions

Get ready to add or remove someone

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 account, 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 our mobile app.

or

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

You’ll need the full name, date of birth and postcode of the person you’re adding.

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.

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.

Set up a Customer Profile for the person you’re adding

Before we can add someone to your account, we need to get some info from them and check their identity. 

They can do this by creating a Customer Profile. You can find out more by visiting our Customer Profiles page. 

You're all set

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. 

To start your request click 'Continue' and choose the option to 'Remove an account holder'.