Back to main menu
Search
Search
Overlay
Open a joint current account

Joint bank accounts

current account switch service guarantee logo

To add a joint party to an account, you must both be 18+ and a UK resident. Specific account criteria and eligibility apply.

What is a joint bank account?

A joint bank account is one you share with somebody else, like a partner or friend. You share control and responsibility between you.

Sharing a joint bank account can be an easier way for couples, flatmates and others to manage household bills. But with joint access to the money, trust is important.

A joint account lets you do all the things you can with a sole bank account. Once you’ve added someone, you’ll both get a contactless bank card and access to the joint account in our mobile app and Online Banking.

Open a joint bank account Open in new window

Choose the best joint bank account for you

Our Select, Reward, Premier Select, and Premier Reward accounts allow you to add a second account holder. You can either add them to an existing account or open a new account and add them later.

If you hold a Reward Silver, Reward Platinum, or Premier Reward Black account, you also have the option to add a second account holder, provided they already have an account with us.

Select account

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.

Information Message
Find out about Select Open in new window

Reward account

Earn money back in Rewards

With the Reward bank account, for a £2 fee, you could:

  • Earn up to £5 a month back in Rewards.
  • Redeem Rewards as money back into your account or trade them up for e-gift codes with our partners.
  • 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. If you have an existing Select account you’ll need to covert it to Reward.

Information Message
Find out about Reward Open in new window

How to open a joint bank account

To open a joint bank account, you have two main options. You can add the other person to an eligible bank account you already hold with us. Or open a new NatWest bank account and add them later. To find the best option for adding someone to your bank account, please use the filters below.

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.

Learn about video banking Open in new window

Boost your financial wellbeing

Whether you’re on top of your finances or you feel like you’re burying your head in the sand, we’re here to help via our app and in person.

Take a Financial Health Check Open in new window

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.

See how to freeze your card Open in new window

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.

See what our app can do Open in new window

Common questions about joint bank accounts

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

As part of the checks that we will complete to verify your identity, we’ll take an image of your face so that it can be compared with your photo ID and this biometric data is captured.

Get ready to add or remove someone

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 account, 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. 

Please note that it's not possible to add someone to our Savings, Student, Adapt, Select Silver, Select Platinum or Black accounts, or bank accounts that use "Travel account".

Continue
Are you adding or removing someone from your account?
Previous
Next
Which account are you adding the person to?
Previous
Next
Are they also a NatWest customer?
Previous
Next
Do you have our mobile app?
Let us know if you have our mobile app on the device you're using right now.
Previous
Next

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

You’ll need the full name, date of birth and postcode of the person you’re adding.

Previous

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.
Previous
Get our app

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.

Previous

Set up a Customer Profile for the person you’re adding

Before we can add someone to your account, we need to get some info from them and check their identity. 

They can do this by creating a Customer Profile. You can find out more by visiting our Customer Profiles page. 

Previous
More about Customer Profiles
Are they also a NatWest customer?
Previous
Next
Do you have our mobile app?
Let us know if you have our mobile app on the device you're using right now.
Previous
Next

Ready to make your account joint?

You can apply quickly and securely through the NatWest mobile app.

When you're ready, just tap ‘Start application’ and follow these steps:

  1. Log in to the app and select the account you’d like to make joint.
  2. Scroll down and tap ‘Account settings’.
  3. Choose ‘Add a person’ to begin your application.
Previous
Start application

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.
Previous
Get our app

Ready to make your account joint?

Scan the QR Code:

  1. Open the camera app on the device where you have the NatWest mobile app installed.
  2. Point the camera at the QR code on screen and tap the banner that appears to open the NatWest app.
  3. Log in to the app, then select the account you’d like to make joint.
  4. Scroll down and tap ‘Account settings’.
  5. Select ‘Add a person’ to start your application.
Previous

The person being added must also be a NatWest customer

To add someone to your Reward Silver, Reward Platinum, or Premier Reward Black account as a joint account holder, they must be a NatWest customer.

If they don’t already bank with us, they’ll need to open a NatWest account first. Once that’s done, you can come back and add them as a joint account holder.

For more information on our current and savings account options, please visit our website.

Previous
Explore our accounts

We need to know which type of account you want to add someone to

You can check your account type using Online Banking or our mobile app.

You can only add someone to the following account types:

  • Select and Reward (including Premier)
  • Foundation
  • Reward Silver, Reward Platinum, or Premier Reward Black

 

Have a different type of account?

Unfortunately, we can’t add someone to certain account types, including our Savings, Student, Adapt, Select Silver, Select Platinum or Black accounts.

Previous

You're all set

What you’ll need:

  • You will need to have access to our mobile app.
  • The person you're removing will also need to have access to our mobile app to complete the request. 

To start your request click 'Continue' and choose the option to 'Remove an account holder'. 

Previous
Continue