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NatWest Premier Current Accounts

Joint bank accounts

£150 to Switch & Stay offer now live on selected accounts

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 your switching in an account in your name only, you can start your switch as soon as you have an account open in your name.

How the offer works

Apply to Switch

Once you have your account set up simply apply to switch in an account held elsewhere via our website by 5pm on 2nd of December 2021. We'll automatically move your existing payments and close your old current account within 7 days.

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.

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

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

Get ready to apply

We need to do a few final checks with you. They'll only take a minute

What would you like to do today?

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.