Joint bank accounts

and our £150

Switch & Stay offer

For your chosen account (see options here):

1. One of you open a new individual account (including any ID documents you may need to upload.)
2. Once you’ve received your email confirming your account is ready to use, you can add the second party to the account via the apply section at the bottom of this page.

For your chosen account (see options here), you can either:

A) Create a new account which you both will share

1. The new customer should open a new sole account (that will then be converted to a joint account.)
2. Once the new customer has received their email confirming your account is ready to use, add the second party to the account via the apply section at the bottom of this page.

B) Share the existing account:

1. Follow the instructions to add a party to the existing account via the apply section at the bottom of this page.

For your chosen account (see options here), you can either:

A) Create a new account which you both will share

1. One of you open a new account (we recommend this is done in the mobile app for the best experience.)
2. Once you’ve received your email confirming your account is ready to use, add the second party as joint owner of the account via apply section at the bottom of the page.

B) Share an existing account

1. Follow the instructions to add a party to the existing account via the apply section at the bottom of this page.

Unfortunately not. Our joint bank accounts are only available between two parties.

In the unfortunate situation of a dispute between you, you can cancel the joint account mandate. Neither of you will be able to use the account until the dispute has been settled, and each of you will be held liable for any debt on the account.

If you wish to close your joint account, then both parties need to agree. If there are any regular payments on the account, or any debt to be paid off, you will need to decide how these will be settled before the account can be closed.

In the circumstance that one joint account holder passes away, we can change the joint account to a sole account. The best thing to do is speak with your nearest branch, or write to us. 

Yes, you can apply for an Arranged Overdraft on your joint account within our Mobile Banking app or Online Banking.

During the application we only need one of the account holders to give us information about income and outgoings. We will run a full credit check to confirm the overdraft limit we can offer. If you go overdrawn on your joint account, each account holder will be responsible for paying off any money you owe.

Yes, you can use the Current Account Switch Service to switch a joint account from another bank to Royal Bank in the same way you can a sole bank account.

Yes they do. The fee you pay for one of our packaged accounts (such as Reward Silver or Reward Platinum) is only dependant on which account you choose.

If you wish to close your joint account, then both parties need to agree. If there are any regular payments on the account, or any debt to be paid off, you will need to decide how these will be settled before the account can be closed.

In the unfortunate situation of a dispute between you, then you can cancel the joint account mandate. Neither of you will be able to use the account until the dispute has been settled, and each of you will be held liable for any debt on the account.

If you wish to close your joint account, then you need to pop in to a branch or write to us. 

We’ll also need the number of signatories to match our records.  For example, if the account is set up with "one to sign" then it can be closed by either person on the account. If it’s set up as "two to sign" then both need to sign to close the account.

The criteria for the switch offer is the same for sole and joint accounts. However accounts must be opened in a sole name before being made joint, and it is not possible to switch a joint account into a sole account. Therefore if you are looking to Switch a joint account into us, you will need to wait for the joint account process to complete before requesting the switch.

Don’t worry, you will still be able to get the switch offer as long as the request to switch is made online before the switch offer ends on the 18th of November 2022 (unless offer is withdrawn before this date), and all of the switching criteria outlined in the terms and conditions is met.

No, the £100 and £50 cashback payments for the switch offer are only paid once to the joint account in this scenario.