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Open a joint current account

Joint bank accounts

To apply for any joint accounts, you must be 18+ and a UK resident. Specific account criteria and eligibility apply.

Switch to NatWest and get our £175 offer

  • Apply online or via our mobile app to switch a current account held elsewhere into a NatWest account between 13th September and 3rd November 2022 at 5pm to receive our offer of £175.
  • You must also deposit £1,250 into your account once opened, then log into our mobile banking app before 16th December 2022. App eligibility criteria apply.
  • Joint Account holders are only eligible for one payment of £175 per account.
  • Accounts must be opened in a sole name before being made joint. It is not possible to switch a joint account into a sole account so if you are looking to switch a joint account into us, you will need to wait for the joint account process to complete before requesting the switch.

If you meet these conditions, we’ll pay £175 into your eligible account by 12th January 2023. 

Switch offer T&Cs apply (PDF, 60KB)

Current Account Switch Guarantee (PDF, 39KB)

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

Share access with a joint bank account

With a joint bank account, you share access to one account. Save together, pay bills together and manage all your combined finances in one place.

Discover the benefits of setting up a joint bank account with NatWest and open a joint bank account today.

What is a joint bank account?

A joint bank account is simply a type of current account that gives equal access to two people.

Holding a joint bank account is much like having your own. The only difference is that both you and your partner can control what happens. This includes making payments, setting up Direct Debits and using any arranged overdraft.

Joint accounts are commonly used to manage shared household bills. This might be with a housemate or partner. These accounts are useful for outgoings such as:

  • Mortgage payments
  • Rent
  • Groceries
  • Utility bills

When you have a joint account, both users can also spend money from the account. You’ll get a contactless debit card each. You can also both manage your joint bank account using our mobile banking app or via Online Banking.

Can I have a joint account with more than one person?

Yes, it is possible to have a joint account with more than one person. Some banks can let you add several people to a joint account, but be careful. Once you open a joint account, your credit score becomes linked to the other account holders'. NatWest joint bank accounts are only available between two parties. Adding any more than two people to an account isn’t possible.

What are the joint bank account rules?

Types of joint accounts

There are two types of joint account to choose from with NatWest, depending on how you want to manage your money. You could opt for a joint current account for everyday banking and payments, including all your bills and income.

Alternatively, opening a savings account with someone else can let you put money away for life’s big expenses.

Joint current accounts and joint savings accounts have some key differences to be aware of.

Compare joint accounts

Joint current account

  • Access to an arranged overdraft (subject to approval).
  • The option to have income paid in. Or you can pay in from your individual accounts.
  • A contactless debit card each.
  • The ability to ensure chosen outgoings are scheduled to leave the account.
  • The ability to manage the account via the NatWest mobile banking app or using Online Banking.

Joint savings account

  • A place that can help you save together.
  • The ability for both account holders to pay in and withdraw money.
  • The option to set up a savings goal and track joint progress via the NatWest mobile app.

Is a joint current account best for you?

If you share outgoings with another person, a joint bank account can be helpful for managing your finances together. 

Before you open a joint account, it’s a good idea to establish what you’ll be using it for. Common uses include paying bills with a partner or housemate, or saving up for a holiday with family.

It's a good idea to set an amount you’ll both pay into the account weekly or monthly. You might also want to discuss what happens to any leftover money at the end of each month. This can help avoid disagreements.

Our joint bank accounts

Some of our most popular NatWest bank accounts can also be shared between two people as a joint account. Get all the benefits of our best current accounts together. These include:

Our basic current account

Our Select account is a basic bank account that gives you everything you need for your day-to-day banking needs:
  • Monthly fee free banking
  • Take care of your bank account on the go with our mobile app and Online Banking. Criteria apply. 
  • Pay however you like with Apple pay, Google Pay™ and contactless . Limits apply. 

To apply, you need to be 18+ and a UK resident.

Reward current account

With the Reward bank account, for a £2 fee you could:
  • Earn up to £5 a month back in Rewards
  • Redeem your Rewards as cashback, gift-cards or e-codes with a range of retailers
  • Even donate your Rewards to charity if you like

To apply, you need to be 18 or over and a UK resident. To hold this account, you need to pay £1,250 into an eligible NatWest account every month. To earn £5 rewards, you earn £4 a month back in rewards for 2 or more Direct Debits (at least £2 each) and an additional £1 a month back in rewards with 1 mobile app log in. 

How to open a joint bank account

Opening a joint bank account with NatWest may include a few more steps than when you’re opening an account on your own. But we try to keep it simple.

Why bank with NatWest?

Common questions about joint bank accounts

Get ready to apply

We need to do a few final checks with you. They'll only take a minute.

What would you like to do today?

Important information

Adding an account holder to your account will mean your account will now function as a 'joint account'. 

You can't use this online form to add a person to your:

  • Silver, Platinum, Black, Savings account, Student or Adapt current account

Both account holders will have equal ownership of any funds or overdrafts held in the joint account. It's important you consider this when adding someone to your account, as you won't be able to remove them in future without their consent.

Do we know the person you want to add to your account?

You're all set

Proof of ID will be needed from both of you. You'll need:

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

Look out for an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

You're all set

Proof of ID will be needed from both of you. You'll need:

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

Look out for an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Important information

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

You're all set

Proof of ID will be needed from both of you. You'll need:

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

Look out for an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.