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NatWest Premier current accounts

Joint bank accounts

What does a joint bank account mean?

Having a joint bank account is the same as having your own, except two people have control and responsibility 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.

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 - our basic everyday banking account, with the features you'd expect from a standard account, and no fee.

Our Reward current accounts - earn £4 a month back in Rewards for two or more Direct Debits - two of those Direct Debits needs to be at least £2 each. Plus, earn an extra £1 a month back in Rewards with one 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 - 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. To apply for a joint savings account, you'll both need to already hold a current account with us. 
Learn more about joint savings accounts

How to set up a joint bank account online

Opening a joint bank account with NatWest may include a few extra steps than when you're opening an account on your own. But we try to keep it simple, you'll need to add the party to your new or existing current account.

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?

Questions about joint bank accounts

Get ready to apply

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Important information

Adding an account holder to your account will mean your account will now function as a 'joint account'.

Both account holders will have equal ownership of any funds or overdrafts held in the joint account. It's important you consider this when adding someone to your account, as you won't be able to remove them in future without their consent.

You're all set

Proof of ID will be needed from both of you. You'll need:

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

Look out for 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.

You're all set

Proof of ID will be needed from both of you. You'll need:

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

Look out for an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.