Joint bank accounts
How to set up a joint bank account online
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 - 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 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 - 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.
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.