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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.

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 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
  • 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?

NatWest joint bank accounts are only available between two parties. Adding any more than two people to an account isn't possible. However, it may be possible to have a joint account with more than one person with another bank. 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.

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.

Switch to NatWest

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account to your new account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

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

How does the Current Account Switch Service work?

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 two or more Direct Debits (at least £2 each) and an additional £1 a month back in rewards with one 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. To create a joint account, you'll need to add the party to your new or existing current account. 

Why bank with NatWest?

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 know your Online Banking details?
If you log in to Online Banking we can pre-fill some of the application for you.

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 numbers.

Please register for Online Banking

To help kick-start your application, we'll need you to register for NatWest Online Banking. If you've forgotten your login details you can re-register via the same process.

You'll need your bank account sort code and account number, and your NatWest Bank debit card if you have one.

The good news is that it normally takes about 5 minutes to register.

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 know your Online Banking details?
If you log in to Online Banking we can pre-fill some of the application for you.

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 numbers.

Please register for Online Banking

To help kick-start your application, we'll need you to register for NatWest Online Banking. If you've forgotten your login details you can re-register via the same process.

You'll need your bank account sort code and account number, and your NatWest Bank debit card if you have one.

The good news is that it normally takes about 5 minutes to register.