Back to main menu
Search
Search
Overlay
NatWest Premier current accounts

Joint bank accounts

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

On this page
£200 Switch Offer
What is a joint bank account?
Types of joint bank account
How to set up a joint account
Frequently asked questions
Ready to apply

Switch to NatWest and get our £200 offer

  • Apply online or via our mobile app to switch a current account held elsewhere into a NatWest account from 14th February 2023 to receive our offer of £200.
  • Deposit £1,250 into your account and log into our mobile banking app within 60 days. App eligibility criteria apply.
  • Joint Account holders are only eligible for one payment of £200 per account. If either account holder has previously received an incentive from NatWest Group, you will not be eligible for this offer.
  • Accounts must be opened in a sole name before being made joint, and it is not possible to switch a joint account into a sole account. So if you are looking to switch a joint account into us, you will need to wait for the joint account process to complete before requesting the switch.
  • When you meet these conditions we’ll pay £200 into your eligible account within 7 days. Offer can be withdrawn or amended at any time.

Switch offer T&Cs apply (PDF, 166KB)

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

Switch here

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

See our range of current 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.

Questions about joint bank accounts

Get ready to apply

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 accounts, 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 
Continue
Are you adding or removing someone from your account?
Previous
Next
Are they also a NatWest customer?
Previous
Next
Which account are you changing?
You can check which type of account you have on Online Banking or through the mobile app
Previous
Next
Do you have an overdraft on your account?
Select 'Yes' if you have an overdraft on your account, even if you aren’t using it at the minute. You can check if you have an overdraft using Online Banking or the mobile app.
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 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.

Previous
Start my application
Do you know your Online Banking details?
If you log in to Online Banking we can pre-fill some of the application for you.
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:

To find the person you’re adding, we’ll need their full name and one of their NatWest sort code and account numbers.

Previous

Please register for Online Banking

To help kick-start your application, we'll need you to register for NatWest Online Banking. If you've forgotten your login details you can re-register via the same process.

You'll need your bank account sort code and account number, and your NatWest Bank debit card if you have one.

The good news is that it normally takes about 5 minutes to register.

Previous
Register for Online Banking
Do you have an overdraft on your account?
Select 'Yes' if you have an overdraft on your account, even if you aren’t using it at the minute. You can check if you have an overdraft using Online Banking or the mobile app.
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 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.

Previous
Start my application
Do you know your Online Banking details?
If you log in to Online Banking we can pre-fill some of the application for you.
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:

To find the person you’re adding, we’ll need their full name and one of their NatWest sort code and account numbers.

Previous

Please register for Online Banking

To help kick-start your application, we'll need you to register for NatWest Online Banking. If you've forgotten your login details you can re-register via the same process.

You'll need your bank account sort code and account number, and your NatWest Bank debit card if you have one.

The good news is that it normally takes about 5 minutes to register.

Previous
Register for Online Banking

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 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.

Previous
Start my application

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.

Previous

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 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.

Previous
Start my application

Important information

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

Previous
Next

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.

Previous
Start my application