Royal Bank of Scotland Premier

Joint bank accounts
and our £150
Switch & Stay offer

How to set up a joint bank account online

How about £150 into your new joint account with our Switch & Stay offer

Apply to Switch

Once your current account is in joint names, apply to switch online by 5pm on the 18th of November 2021. If you’re switching in a sole account, you can simply request to switch as part of your initial sole application before you add a person to the account. 
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Once switch initiated

Within 7 days the current account switch service will automatically move your existing payments and close your old account. 
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For initial £100

Pay in at least £1,500 in total and log in to our Mobile Banking app or Online Banking by the 30th of December 2021. £100 will be paid in to your Joint account by the 28th of January 2022.

For another £50

Make 10 eligible debit and/or credit transaction on your account each calendar month between January & September 2022 (excludes account interest fees and charges), and a further £50 will be paid into your joint account by the 16th of November 2022.

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 Adapt (child) accounts;

Royal Bank Select (eligible for £150 Switch & Stay offer) - our basic everyday banking account, with the features you'd expect from a standard account, and no fee.

Our Reward current accounts (eligible for £150 Switch & Stay offer) - Earn £4 a month back in Rewards for 2 or more Direct Debits - 2 of those Direct Debits needs to be at least £2 each. Plus, earn an extra £1 a month back in Rewards with 1 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 (eligible for £150 Switch & Stay offer) - 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. Savings accounts are not included in current Switch & Stay offer.

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 Online Banking.

Questions about joint bank accounts

Get ready to apply

We need to do a few final checks with you. They'll only take a minute.

What would you like to do today?

Important information

Adding an account holder to your account will mean your account will now function as a 'joint account'.

Both account holders will have equal ownership of any funds or overdrafts held in the joint account. It's important you consider this when adding someone to your account, as you won't be able to remove them in future without their consent.

You're all set

Proof of ID will be needed from both of you. You'll need:

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

Look out for 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.

You're all set

Proof of ID will be needed from both of you. You'll need:

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

Look out for an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.