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, you can add a joint account holder during your application – online, on the phone, or in branch.

If you already have an account and would like to add someone to this account, or remove a joint account holder, you can do this by:

  • Calling us on 0800 9 123 123. We’re open 7am to 9pm Monday to Saturday and 8am to 9pm Sundays.
  • Or by visiting 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.

How joint accounts work

  • You’ll both get your own Visa 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, ATMs, 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.
  • 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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