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NatWest Premier current accounts

Joint bank accounts

Current Account Switch Guarantee logo.

To apply for any of these accounts, you must be 18+ and a UK resident. Specific account criteria and eligibility apply.

An easier way for two people to manage money

Sharing a bank account with your partner or friends can make it easier to take care of shared expenses and bills. 

A joint account still lets you do all the things you can do with a sole account, but you’ll share control and responsibility with someone else. 

Once you’ve added someone to your account, you’ll both get a contactless bank card and access to the joint account on our mobile app and Online Banking.

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Choose the best joint bank account for you

You can add a second account holder to a Premier Select or Premier Reward account. You can also create a joint account for some of our non-Premier bank accounts.

Premier Select

£0 a month

Eligible for our £175 Switch offer.

Get 24/7 support from Premier 24 and help to invest in your future.

  • No Non-Sterling Transaction Fee when you make a payment outside the UK or in a foreign currency. Not valid for ATM withdrawals. Other fees may apply.
  • Get an arranged overdraft with a £500 interest-free buffer (subject to status).

For new and existing NatWest customers. Must be 18+ and a UK resident to apply. 

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Find out more about Premier Select Open in new window

Premier Reward

£2 a month

Eligible for our £175 Switch offer.

Get 24/7 support from Premier 24 and help to invest in your future.

  • £9 a month back in Rewards for having two Direct Debits - they need to be at least £4.50 each.
  • £1 a month in Rewards just for logging into our mobile app.
  • Earn at least 1% at partner retailers when you use your NatWest debit card.

For new and existing NatWest customers. Must be 18+, a UK resident and pay in at least £1,250 to an eligible NatWest account every month. T&Cs apply.

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Find out about Premier Reward Open in new window

How to open a joint bank account

To get a joint account, you’ll first need to open a sole account and then add someone to it. You can choose an account you already have or set up a completely new one. To find out the best way for you to add someone to your account, you can use the filters below:

Switch to us and you could get up to £175

You could get £125 when you apply online or via our app to switch your current account held elsewhere into an eligible Premier Select or Premier Reward account using the Current Account Switch Service and an extra £50 if you open a Digital Regular Saver.

phone switch

1. Switch to us

Don't have a current account with us?  

Simply open an eligible Premier Select or Premier Reward account and switch your bank account to us using the Current Account Switch Service.

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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.

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3. You're all set

When you've met these conditions, we'll pay £125 into your eligible account within 30 days, provided that your account stays open. 

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savings

Fancy an extra £50?

Here's how it works:

Open a Digital Regular Saver (DRS) within 60 days of completing your switch to us.  Once you receive your £125, we'll then add another £50 to your DRS within 30 days.

Total earned? £175!

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Premier and specific account eligibility criteria & conditions apply. Monthly account fees may apply. Offers can be withdrawn or amended at any time due to limited availability. Offers T&Cs and restrictions apply.  You are not eligible for these offers if you already have a current account with NatWest, if you're switching a current account from NatWest Group (Royal Bank or Ulster Bank NI), or if you've received a switch incentive from NatWest Group before.

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Questions about joint bank accounts

Switch offer FAQs

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.

We currently can’t add a new person to bank accounts that use “Travel account”.

Continue
Are you adding or removing someone from your account?
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Are they also a NatWest customer?
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Which account are you changing?
You can check which type of account you have on Online Banking or through our mobile app.

or

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Do you have our mobile app?
Let us know if you have our mobile app on the device you're using right now.
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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.

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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.
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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.

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We need to know which type of account you’re changing

You can check which account you have using Online Banking or our mobile app. 

You can only add someone to the following types of account:

  • Premier Select
  • Premier Reward
  • Foundation

 

Got a different type of account?

We can’t add a person to some types of account including our Saving, Student, and Adapt accounts. We’re also unable to add someone to our Silver, Platinum and Black accounts.

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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. 

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More about Customer Profiles

Important information

To remove a person from your account you'll need their consent.

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You're all set

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.

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