To add a joint party to an account, you must both be 18+ and a UK resident. Specific account criteria and eligibility apply.
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Open a joint current account
Joint bank accounts
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.
Select bank account
Basic everyday current account.
No monthly fee.
Access in our mobile app and Online Banking. Criteria apply.
Pay 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 bank account
Earn up to £5 a month back in Rewards.
£2 monthly fee.
Redeem Rewards as money back into your account, trade them up for e-gift codes with our partners or donate them to charity.
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 login. If you have an existing Select account, you’ll need to convert it to Reward.
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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.
Are you new to us?
Switch in a joint current account
Choose the option that applies to you.
How to get £200
1. Open a current account and switch to us
- Apply for a Select or Reward account and request and complete a full switch to us from another bank using the Current Account Switch Service.
2. Within 60 days of switching
- Pay in £1,250 - This can be made of multiple payments and must remain in the account for 24 hours.
- Log in to our mobile app - This can be done on any device that supports the NatWest mobile banking app.
3. You're all set
- When you've met these conditions, we'll pay £200 into your eligible account within 30 days.
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Specific account eligibility criteria & conditions apply. Monthly account fees may apply. Offer T&Cs and restrictions apply. You won’t be eligible if you or anyone on the account has previously received a NatWest Group cash switch incentive, or if you’re switching an account from NatWest Group (Royal Bank or Ulster Bank). This offer may be changed, replaced, or withdrawn at any time.
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.
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.
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.
