Sharing your finances with another person can be a convenient and sensible approach to organising your money. A joint bank account will do this for you.

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 a form. You can download this form by clicking on either current account (132 KB) or savings account (135 KB) and, once you’re ready, you can send it to:

Santander
PO Box 1109
Bradford
BD1 5ZJ

Alternatively, you can make an appointment at your local branch

Some accounts don't allow joint account holders. To find out if a joint account is available to you, please see your specific account's Key Facts Document. You’ll need to send us some proof of ID with your request. Please check our ID requirement list (2.16 MB) to see what types of personal identification we accept before starting your application.

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.
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