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Premier Banking

Joint accounts

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£200 switch offer Open in new window
What is a joint bank account? Open in new window
Types of joint bank account Open in new window
How to set up a joint bank account Open in new window
Frequently asked questions Open in new window
Ready to apply Open in new window

Get our £200 offer when you switch to Royal Bank

Apply online or via our mobile app to switch a current account held elsewhere using the Current Account Switch Service into a Royal Bank account from 15 February 2024.

Deposit £1,250 into your account and log in to our mobile banking app within 60 days. App eligibility criteria apply. 

When you meet these conditions, we'll pay £200 into your eligible account within 7 days. 

Account must be opened in a sole name before being made joint. It's not possible to switch a joint account into a sole account, so if you're looking to switch in a joint account to us, you will need to wait for the joint account process to complete before requesting the switch.  

Your switch must fully complete to receive the incentive, this means your old bank account will close and any funds and Direct Debits will move over to us. The deposit of £1,250 can be made up of multiple credits and must remain in the account for 24 hours. If you've previously received a switcher incentive from NatWest Group since 01 January 2020, you will not be eligible for this offer. Offer can be withdrawn or amended at any time. Premier account eligibility criteria apply. Account fees may apply.

Switch offer T&Cs apply (PDF, 166KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Current Account Switch Service work?

Ready to switch Open in new window

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.

See our range of current accounts Open in new window

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 Royal Bank of Sotland mobile banking app or by using Digital Banking.
Information Message

Open a joint bank account today Open in new window

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 Royal Bank of Sotland mobile app.
Information Message

Take a look at our savings account range Open in new window

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.

Questions about joint bank accounts

Get ready to apply

To speed up your application, we’ll need to do a few final checks with you. They'll only take a minute.

  • If you’re adding someone to your accounts, they’ll need to be aged 18+ and a UK resident 
  • If you’re removing someone from an account, you’ll need to make sure you have their permission 
Continue
Are you adding or removing someone from your account?
Previous
Next
Are they also a Royal Bank of Scotland customer?
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Next
Which account are you changing?
You can check which type of account you have on Digital Banking or through the mobile app
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Next
Do you have an overdraft on your account?
Select 'Yes' if you have an overdraft on your account, even if you aren’t using it at the minute. You can check if you have an overdraft using Digital Banking or the mobile app.
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Next

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

  • Adding someone to your account will change it into a Joint account. You’ll both share responsibility for the joint account and any money in it
  • Once added, you’ll need the other person’s permission to remove them from the account

 

What you’ll both need:

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

You’ll both receive an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous
Start my application
Do you have our mobile app?
Let us know if you have our mobile app on the device you're using right now.
Previous
Next

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

 

  • Adding someone to your account will change it into a Joint account.
  • You’ll both share responsibility for the joint account and any money in it.
  • Once added, you’ll need the other person’s permission to remove them from the account.

 

What you’ll need:

To find the person you’re adding, we’ll need their full name and one of their Royal Bank of Scotland sort code and account number

Previous

You'll need our app to continue

To add someone to your account, you’ll need to use our mobile app.

It won’t take long to download and get set up.

You just need:

 

  • Your Digital Banking PIN and password
  • Your mobile phone to get your one-time passcode
Previous
Get app

Apply using your mobile device

Scan the QR code on your mobile device that you’ve got the app on. You’ll then be able to apply in a flash.

Previous
Do you have an overdraft on your account?
Select 'Yes' if you have an overdraft on your account, even if you aren’t using it at the minute. You can check if you have an overdraft using Digital Banking or the mobile app.
Previous
Next

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

  • Adding someone to your account will change it into a Joint account. You’ll both share responsibility for the joint account and any money in it
  • Once added, you’ll need the other person’s permission to remove them from the account

 

What you’ll both need:

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

You’ll both receive an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous
Start my application
Do you have our mobile app?
Let us know if you have our mobile app on the device you're using right now.
Previous
Next

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

 

  • Adding someone to your account will change it into a Joint account.
  • You’ll both share responsibility for the joint account and any money in it.
  • Once added, you’ll need the other person’s permission to remove them from the account.

 

What you’ll need:

To find the person you’re adding, we’ll need their full name and one of their Royal Bank of Scotland sort code and account number

Previous

You'll need our app to continue

To add someone to your account, you’ll need to use our mobile app.

It won’t take long to download and get set up.

You just need:

 

  • Your Digital Banking PIN and password
  • Your mobile phone to get your one-time passcode
Previous
Get app

Apply using your mobile device

Scan the QR code on your mobile device that you’ve got the app on. You’ll then be able to apply in a flash.

Previous

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

  • Adding someone to your account will change it into a Joint account. You’ll both share responsibility for the joint account and any money in it
  • Once added, you’ll need the other person’s permission to remove them from the account

 

What you’ll both need:

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

You’ll both receive an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous
Start my application

We need to know which type of account you’re changing

You can check which account you have using Digital Banking or our Mobile app. 

You can only add someone to the following types of account:

  • Premier Select
  • Premier Reward
  • Foundation

 

Got a different type of account?

We can’t add a person to some types of account including our Saving, Student, and Revolve accounts. We’re also unable to add someone to our Silver, Platinum and Black accounts.

Previous

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

  • Adding someone to your account will change it into a Joint account. You’ll both share responsibility for the joint account and any money in it
  • Once added, you’ll need the other person’s permission to remove them from the account

 

What you’ll both need:

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

You’ll both receive an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous
Start my application

Important information

To remove a person from your account you'll need their consent.

Previous
Next

You're all set

What you’ll both need:

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

You’ll both receive an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous
Start my application