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What does a joint bank account mean?
Having a joint bank account is the same as having your own, except two people have control over the account, including any arranged overdraft (subject to approval).
Both people can spend money from the account, and we'll give you a Contactless Visa Debit Card each. You'll also be able to manage your joint bank account together using our Mobile Banking app, or via Digital Banking.
Types of joint bank account
You can set up a joint bank account with a range of our savings and current account products, excluding Student and Revolve (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 two or more Direct Debits - two of those Direct Debits needs to be at least £2 each. Plus, earn an extra £1 a month back in Rewards with one 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.
To apply for any of these accounts, you must be 18+ and a UK resident. Specific account criteria and eligibility apply.
Compare joint accounts
When deciding which type of joint account to set up, there are some key differences to be aware of. Take a look at our comparison below.
Joint current account
- Have your income paid in or pay in from your individual accounts.
- Access to an arranged overdraft (subject to approval).
- The ability to manage regular payments such as direct debits and standing orders.
- Pay on the go with a contactless debit card each
- Manage the account via the RBS mobile banking app or by using Digital Banking.
Joint savings account
- An account that can help you save regularly together.
- The option for both account holders to pay in and withdraw money.
- Set up a joint savings goal and track the progress via the RBS mobile app.
How to set up a joint account online
To set up a joint bank account, you’ll need to add the new party to your new or existing current account.
Switch to Royal Bank
The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.
We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.