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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.

Get our £200 offer when you switch to NatWest

Apply online or via our mobile app to switch a current account held elsewhere using the Current Account Switch Service into a NatWest bank account from 15 February 2024.

Deposit £1,250 into your account and log in to our mobile banking app within 60 days. App eligibility criteria apply. 

When you meet these conditions, we'll pay £200 into your eligible account within 7 days

Account must be opened in a sole name before being made joint. It's not possible to switch a joint account into a sole account, so if you're looking to switch in a joint account to us, you will need to wait for the joint account process to complete before requesting the switch.  

Your switch must fully complete to receive the incentive, this means your old bank account will close and any funds and Direct Debits will move over to us. The deposit of £1,250 can be made up of multiple credits and must remain in the account for 24 hours. If you've previously received a switcher incentive from NatWest Group since 01 January 2020, you will not be eligible for this offer. Offer can be withdrawn or amended at any time. Account eligibility criteria apply.

Switch offer T&Cs apply (PDF, 166KB)

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

How does the Current Account Switch Service work?

Joint account cards

Why a joint bank account may be best for you?

A joint bank account is simply a type of account that gives equal access to two people making both parties responsible for the account.

It’s 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 a partner.  These accounts are useful for outgoings such as:

  • Mortgage
  • Rent
  • Groceries
  • Utility bills

When you have a joint current account you’ll both get a contactless debit card.  You can also manage your joint account using the mobile banking app or via Online Banking.

Discover the benefits of setting up a bank account with NatWest and start the process for a joint bank account today.

What types of accounts can I open and make joint?

You can only open and then add to our Select,Reward, Premier Select or Premier Reward account in a sole name and,  then request to add a party to make this Joint.  Or you can request to add to an existing one of the above acounts to make this joint.

Adapt and Student accounts can only be opened and owned in sole names.

Any account that includes the following in the product name, Silver, Platinum, Black, Student, Revolve can't be added to.

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. To make joint you will need to open a new sole account or have one to add someone to 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.

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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 two or more Direct Debits (at least £2 each) and an additional £1 a month back in rewards with one mobile app log in. 

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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. To create a joint account, you'll need to add the party to your new or existing current account. 

Why bank with NatWest?

Here 24/7

You can talk to us wherever and whenever you choose using Video Banking. This 24/7 service can help you keep on top of your goals with a free Financial Health Check.

Help with financial health

It’s also possible to access our digital Financial Health Check. The process only takes a few minutes and can help get your finances back on track.

Security matters to us

Security is important to us. That’s why we give you the option of being able to lock and unlock your debit card. If you or the other joint account holder misplaces a card, you can easily keep your finances safe until you find it.

All on the app

This is all done via the NatWest mobile app. This tool is helpful to manage your joint account and stay in control of your finances on the go.

Common questions about joint bank accounts

Get ready to apply

To speed up your application, we’ll need to do a few final checks with you. They'll only take a minute.

  • If you’re adding someone to your accounts, they’ll need to be aged 18+ and a UK resident 
  • If you’re removing someone from an account, you’ll need to make sure you have their permission 
Are you adding or removing someone from your account?
Are they also a NatWest customer?
Which account are you changing?
You can check which type of account you have on Online Banking or through the mobile app
Do you have an overdraft on your account?
Select 'Yes' if you have an overdraft on your account, even if you aren’t using it at the minute. You can check if you have an overdraft using Online Banking or the mobile app.

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

  • Adding someone to your account will change it into a Joint account. You’ll both share responsibility for the joint account and any money in it 
  • Once added, you’ll need the other person’s permission to remove them from the account

 

What you’ll both need:

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

You’ll both receive an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Do you have our mobile app?
Let us know if you have our mobile app on the device you're using right now.

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

 

  • Adding someone to your account will change it into a Joint account.
  • You’ll both share responsibility for the joint account and any money in it.
  • Once added, you’ll need the other person’s permission to remove them from the account.

 

What you’ll need:

To find the person you’re adding, we’ll need their full name and one of their NatWest sort code and account number

You'll need our app to continue

To add someone to your account, you’ll need to use our mobile app.

It won’t take long to download and get set up.

You just need:

 

  • Your Online Banking PIN and password
  • Your mobile phone to get your one-time passcode

Apply using your mobile device

Scan the QR code on your mobile device that you’ve got the app on. You’ll then be able to apply in a flash.

Do you have an overdraft on your account?
Select 'Yes' if you have an overdraft on your account, even if you aren’t using it at the minute. You can check if you have an overdraft using Online Banking or the mobile app.

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

  • Adding someone to your account will change it into a Joint account. You’ll both share responsibility for the joint account and any money in it
  • Once added, you’ll need the other person’s permission to remove them from the account

 

What you’ll both need:

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

You’ll both receive an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Do you have our mobile app?
Let us know if you have the mobile app on the device you're using right now.

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

 

  • Adding someone to your account will change it into a Joint account.
  • You’ll both share responsibility for the joint account and any money in it.
  • Once added, you’ll need the other person’s permission to remove them from the account.

 

What you’ll need:

To find the person you’re adding, we’ll need their full name and one of their NatWest sort code and account number

You'll need our app to continue

To add someone to your account, you’ll need to use our mobile app.

It won’t take long to download and get set up.

You just need:

 

  • Your Online Banking PIN and password
  • Your mobile phone to get your one-time passcode

Apply using your mobile device

Scan the QR code on your mobile device that you’ve got the app on. You’ll then be able to apply in a flash.

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

  • Adding someone to your account will change it into a Joint account. You’ll both share responsibility for the joint account and any money in it 
  • Once added, you’ll need the other person’s permission to remove them from the account

 

What you’ll both need:

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

You’ll both receive an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

We need to know which type of account you’re changing

You can check which account you have using Online Banking or our Mobile app. 

You can only add someone to the following types of account:

  • Select
  • Reward
  • Foundation

 

Got a different type of account?

We can’t add a person to some types of account including our Saving, Student, and Adapt accounts. We’re also unable to add someone to our Silver, Platinum and Black accounts.

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

  • Adding someone to your account will change it into a Joint account. You’ll both share responsibility for the joint account and any money in it 
  • Once added, you’ll need the other person’s permission to remove them from the account

 

What you’ll both need:

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

You’ll both receive 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.