Open a joint current account
To apply for any joint accounts, you must be 18+ and a UK resident. Specific account criteria and eligibility apply.
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Why a joint bank account may be best for you? Open in new window
What types of accounts can I open and make joint? Open in new window
Joint bank accounts Open in new window
How to set up a joint bank account Open in new window
Frequently asked questions Open in new window
Ready to add someone Open in new window
Why a joint bank account may be best for you?
A joint bank account is simply a type of account that gives equal access to two people, making both parties responsible for the account.
It’s much like having your own, the only difference is that you can both control what happens. This includes making payments, setting up Direct Debits and using any arranged overdraft.
Joint accounts are commonly used to manage shared household bills. This might be with a housemate or a partner. These accounts are useful for outgoings such as:
- Mortgage
- Rent
- Groceries
- Utility bills
When you have a joint current account you’ll both get a contactless debit card. You can also manage your joint account using the mobile banking app or via Online Banking.
Discover the benefits of setting up a bank account with NatWest and start the process for a joint bank account today.
Ready to add someone Open in new window
What types of accounts can I open and make joint?
You can only open and then add to our Select, Reward, Premier Select or Premier Reward account in a sole name and, then request to add a party to make this joint. Or you can request to add to an existing one of the above acounts to make this joint.
Adapt and Student accounts can only be opened and owned in sole names.
Any account that includes the following in the product name, Silver, Platinum, Black, Student, Revolve can't be added to.
Our joint bank accounts
Some of our most popular NatWest bank accounts can also be shared between two people as a joint account. Get all the benefits of our best current accounts together. To make joint you will need to open a new sole account or have one to add someone to These include:
Our basic current account
Our Select account is a basic bank account that gives you everything you need for your day-to-day banking needs:
- Monthly fee free banking.
- Take care of your bank account on the go with our mobile app and Online Banking. Criteria apply.
- Pay however you like with Apple Pay,Google Pay™ and contactless. Limits apply.
To apply, you need to be 18+ and a UK resident.
Information Message
Open a Select account Open in new window
Reward current account
With the Reward bank account, for a £2 fee you could:
- Earn up to £5 a month back in Rewards.
- Redeem your Rewards as cashback, gift-cards or e-codes with a range of retailers.
- Even donate your Rewards to charity if you like.
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 log in.
Information Message
Open a Reward bank account Open in new window
How to open a joint bank account
Opening a joint bank account with NatWest may include a few more steps than when you’re opening an account on your own. But we try to keep it simple. To create a joint account, you'll need to add the party to your new or existing current account.
Are you new to us?
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Both new customers?
There are a few steps to follow:
- One of you opens a new individual account. Please note that you will need to provide identification and any other relevant documents for upload.
- Await an email confirmation to tell you your account is ready to use.
- Once you’ve received this, you can add a second person to the account. Do this via the ‘add someone’ section at the bottom of this page.
- Please note that it’s not possible to add someone to all accounts. This includes our Savings, Student and Adapt accounts. Plus, our Silver, Platinum and Black accounts.
Add someone Open in new window
One of you is already with us?
Choose the option that applies to you.
- The new customer should open a new sole account.
- Wait for confirmation via email that the account is ready to use.
- After receipt of the email, you can add the second party to the account. Head to the ‘add someone’ section at the bottom of this page to do this.
- Please note that it’s not possible to add someone to all accounts. This includes our Savings, Student and Adapt accounts. Plus, our Silver, Platinum and Black accounts.
- Simply follow the instructions to add someone to your existing account via the ‘add someone’ section at the bottom of this page.
- Please note that it’s not possible to add someone to all accounts. This includes our Savings, Student and Adapt accounts. Plus, our Silver, Platinum and Black accounts.
Add someone Open in new window
Both already have accounts with us?
Choose the option that applies to you.
- One of you opens a new account.
- Wait for a confirmation email informing you the account is ready to use.
- Scroll to the bottom of this page to the ‘apply’ section and add the second party as a joint account owner.
- Please note that it’s not possible to add someone to all accounts. This includes our Savings, Student and Adapt accounts. Plus, our Silver, Platinum and Black accounts.
- Follow the instructions to add someone to your existing account via the 'Add someone' section at the bottom of this page.
- Please note that it’s not possible to add someone to all accounts. This includes our Savings, Student and Adapt accounts. Plus, our Silver, Platinum and Black accounts.
Add someone Open in new window
We want to switch in a Joint current account
- If the account held elsewhere is joint, don't instruct the Switch in during your initial application.
- One of you opens anewindividual current account and, you have added a party to your account.
- Once you’ve received your confirmation email to confirm this is now a joint account.
- Request a Switch in using the'Ready to switch' in the link below, using the I want to Switch in an account held elsewhere option.
- The account you are switching into and from is in joint names.
- Select the ready to 'Switch' below.
- Select I want to switch into an account held elsewhere.
Ready to switch Open in new window
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?
Why bank with NatWest?
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.
Learn about video banking Open in new window
Help with financial health
It’s also possible to access our digital Financial Health Check. The process only takes a few minutes and can help get your finances back on track.
Take a Financial Health Check Open in new window
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.
See how to freeze your card Open in new window
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.
See what our app can do Open in new window
Common questions about joint bank accounts
The two named parties equally own the money in a joint bank account. This is true regardless of who deposited funds into the account. So, either account holder can withdraw money from, and deposit money into, the account at any time.
If account holders become separated, it’s possible to cancel the joint account mandate.
If you wish to close the joint account, both parties need to agree. Regular payments and any account debts will need to be settled before closure.
If one joint account holder passes away, we can change the joint account to a sole account. Speak with your nearest branch or write to us if you need help making changes to your joint account.
Yes, you can open a joint account with anyone you want to share money management with. It doesn’t have to be someone you’re married to. Many people choose to have a joint account with a flatmate, partner or friend.
If, for any reason, you and your partner want to close your joint account, you’ll both need to be in agreement. Before we can close your account, you’ll also need to ensure that any regular payments due to be made are paid, and that any debts on the account are settled.
To close your joint account, simply pop into a NatWest branch or write to us and we’ll help you get the process underway.
Yes they do. The fee you pay for one of our packaged accounts is only dependent on which account you choose and not the number of people who have access to the account.
More help and support
All our current accounts
Compare types of bank accounts
Joint mortgages
Joint loans
Joint savings accounts
What is a current account?
