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Open a joint current account
Joint bank accounts
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.
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
You have two options for opening a joint account. You can either add the person to an existing account or open a new account and add them later. To find the best option for adding someone to your account, please use the filters provided below.
Are you new to us?
We’re both new Royal Bank of Scotland customers
To open a new joint account with us, you just need to follow 3 steps:
- Open a new account
One of you will need to open a new bank account. You’ll need to open it as a sole account first and then add the other person later. We’ll email you to let you know when the account is open. - Create a Customer Profile
While one of you is setting up your new bank account, the other person will need to create a Customer Profile. A Customer Profile is an online profile for people who have never banked with us before, it lets us get the info we need to add them to a bank account and check their identity. - Add the Customer Profile to the bank account
You'll get confirmation that the bank account is open and the Customer Profile has been created.
After this, you'll be able to add the profile to the bank account. You can use the link in your 'account is ready' email to start adding the profile to the new bank account. You can also do this either through the mobile app or by using the link on this page.
Once you've followed the steps to add someone, they will get an email invitation to finish adding the Customer Profile to the bank account.
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You can only add someone to our Select, Reward, Premier Select and Premier Reward accounts.
One of you banks with us
Do you want to open a new account or add someone to an existing bank account?
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You can only add someone to our Select, Reward, Premier Select and Premier Reward accounts.
You both bank with us
Do you want to open a new account or add them to an existing bank account?
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You can add someone to our Select, Reward, Premier Select, and Premier Reward accounts. As you're both existing customers, you can also add someone to your Reward Silver, Reward Platinum, or Premier Reward Black account.
Switch in a joint current account
Choose the option that applies to you.