Joint accounts

Looking to add or remove someone from your existing current account?


Our joint accounts

Sharing your finances with someone can be a convenient  way to organise your money.

The accounts below are available as both sole and joint accounts. Choose to open your account as joint when you apply.

Santander Edge Up current account

  • Earn cashback on selected household bills, at supermarkets and on travel costs
  • Earn interest on credit balances up to £25,000
  • Fund the account with £1,500 each month and set up 2 active Direct Debits
  • We won’t charge you for using your Santander Edge Up debit card outside the UK
  • £5 monthly fee to maintain the account

Santander Edge current account

  • Earn cashback on selected household bills, at supermarkets and on travel costs
  • Access to an optional savings account with exclusive rates
  • Fund the account with £500 each month and set up 2 active Direct Debits
  • We won’t charge you for using your Santander Edge Up debit card outside the UK
  • £3 monthly fee to maintain the account

Everyday Current Account

  • Simple and straightforward account with no monthly fee
  • Contactless debit card
  • No monthly fee maintain the account

Basic Current Account

  • If you’ve been turned down for one of our other current accounts, have a poor credit history or are new to the UK for work or study purposes, this might be suitable for you.

How joint accounts work

  • You’ll both get your own debit card or cash card, depending on the account you have, as well as a chequebook (if required), so you can pay for things and withdraw money independently.
  • You can both pay money into the account, or just one of you can – it’s up to you.
  • Either of you can use the account. You both get access to our branches, cash machines, Telephone Banking and Online Banking.
  • Each account holder must update their own details within Online Banking.
  • If both of you are paying money into the account, then you could have a higher balance to earn interest on, or a larger arranged overdraft facility (subject to status).
  • If money is owed on the account, each of you is responsible for the whole debt no matter who created it.
  • Please bear in mind that either of you can make withdrawals, write cheques, set up arranged overdrafts or use the cash machine without the knowledge of the other person.
     

How to add or remove a joint account holder

If you’re applying for a new account online, over the phone or in a branch, you can add a joint account holder during your application.

If you already have an account, you can add or remove account holders by printing off and filling out either a current account form (PDF - 818 KB) or savings account form (PDF - 952 KB). You’ll also need to send us some ID with your request. Please check our ID requirement list to see what types we accept before starting your application. 

When you’re ready, you can send your completed form to:

Santander Banking
Operations,
Sunderland SR43 4FP

Alternatively, you can make an appointment at your local branch

Some accounts don't allow joint account holders. Please see your specific account's Key Facts Document to find out if a joint account is an option for you.

Is someone else affecting your ability to manage or access your money? We’re here to talk.

To find out more about how we can help, visit our dedicated support page

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