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 you can both 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
- 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.