Joint mortgages
Interested in a shared mortgage? Find out more about joint mortgages. Criteria apply, over 18s.
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NatWest Current Accounts
Joint Bank Accounts
£150 to Switch & Stay offer now live on selected accounts
Limited time offer. T&Cs apply.
How to set up a joint bank account online
Our £150 Switch & Stay offer
Switch to us to get our offer of £100, and an extra £50 if you stay.
If your switching into a joint account from another bank, you will need to request the switch once your account is in joint names.
Alternatively if you're switching in an account in your name only, you can start your switch as soon as you have an account open in your name.
For initial £100
Pay in at least £1,500 in total and log in to our mobile app or Online Banking by 13th January 2022. Your first £100 will be paid into your NatWest account by 11th February 2022.
For an extra £50
Once qualified for the £100 payment, make 10 eligible debit and/or credit transactions (excluding interest, fees and charges) on your account every calendar month between January & September 2022. After that we’ll give you the £50 by 30th November 2022.
What you need to know
We may end this offer at any time, and to be eligible, you must apply via our mobile app or website.
If you’ve had any cash back for switching to us (or Royal Bank of Scotland/Ulster Bank) since October 2017, you won’t be eligible for this offer.
We cannot 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)
Types of joint bank account
You can set up a joint bank account with a range of our savings and current account products, excluding Student and Adapt (child) accounts;
NatWest Select eligible for £150 Switch & Stay offer - our basic everyday banking account, with the features you'd expect from a standard account, and no fee.
Our Reward current accounts eligible for £150 Switch & Stay offer - Earn £4 a month back in Rewards for 2 or more Direct Debits - 2 of those Direct Debits needs to be at least £2 each. Plus, earn an extra £1 a month back in Rewards with 1 mobile app log in. You can also earn at least 1% on spend with our Partner Retailers. Some Reward accounts also include additional benefits, such as mobile phone insurance and travel insurance. Monthly fees apply.
Premier bank accounts eligible for £150 Switch & Stay offer- these accounts provide benefits for higher net worth customers to help you get the most from your finances.
Joint savings accounts - A joint savings account can help you save together. Using our Mobile App, you can set up a goal and track your joint progress towards a dream holiday, or perhaps a rainy day fund. Savings accounts are not included in current Switch & Stay offer.
Learn more about joint savings accounts
To apply for any of these accounts, you must be 18+ and a UK resident. Specific account criteria and eligibility apply.
What does a joint bank account mean?
Having a joint bank account is the same as having your own, except two people have control over the account, including any arranged overdraft (subject to approval).
Both people can spend money from the account, and we'll give you a Contactless Visa Debit Card each. You'll also be able to manage your joint bank account together using our Mobile Banking app, or via Online Banking.
Questions about joint bank accounts and our Switch & Stay offer
If I am applying for a Joint account, do I need to do anything differently for the Switch & Stay offer?
The criteria for the switch offer is the same whether in your name only or in joint names. However it is not possible to switch a Joint account into a sole account, and as you need to add the second party once the account is open, if you are looking to Switch a joint account into us, you will need to wait for the second party to be added before requesting the switch.
Don’t worry, you will still be able to get the switch offer as long as the request to switch is made via our website before the switch offer ends at 5pm on the 2nd of December 2021 (unless offer is withdrawn before this date), and all of the switching criteria outlined in the terms and conditions is met.
If I have a Joint account, will we both receive cashback if we take up the Switch & Stay offer?
No, the £100 and £50 cashback payments for the switch offer are only paid once to the Joint account in this scenario.
Can I have a joint account with more than one person?
Afraid not. Our joint bank accounts are only available between two parties.
What happens if joint account holders become separated?
In the unfortunate situation of a dispute between you, you can cancel the joint account mandate. Neither of you will be able to use the account until the dispute has been settled, and each of you will be held liable for any debt on the account.
If you wish to close your joint account, then both parties need to agree. If there are any regular payments on the account, or any debt to be paid off, you will need to decide how these will be settled before the account can be closed.
What happens if a joint account holder passes away?
In the circumstance that one joint account holder passes away, we can change the joint account to a sole account. The best thing to do is speak with your nearest branch, or write to us.
Can I apply for an Arranged Overdraft on a joint account?
Yes, you can apply for an Arranged Overdraft on your joint account within our Mobile Banking app or Online Banking.
During the application we only need one of the account holders to give us information about income and outgoings. We will run a full credit check to confirm the overdraft limit we can offer. If you go overdrawn on your joint account, each account holder will be responsible for paying off any money you owe.
Joint loans
Looking to borrow money with a partner? Find out more about joint loans. Criteria apply, over 18s.
Joint savings
Saving towards a joint goal? Find out more about joint savings accounts. Criteria apply.