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, 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:
PO Box 1109
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.
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, 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 (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.