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Premier Banking

Joint 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 Digital 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 Revolve (child) accounts;

Royal Bank 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.

See our range of current accounts Open in new window

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

Compare joint accounts

When deciding which type of joint account to set up, there are some key differences to be aware of. Take a look at our comparison below.

Joint current account

  • Have your income paid in or pay in from your individual accounts.
  • Access to an arranged overdraft (subject to approval).
  • The ability to manage regular payments such as direct debits and standing orders. 
  • Pay on the go with a contactless debit card each.
  • Manage the account via the Royal Bank of Sotland mobile banking app or by using Digital Banking.
Information Message

Open a joint bank account today Open in new window

Joint savings account

  • An account that can help you save regularly together.
  • The option for both account holders to pay in and withdraw money.
  • Set up a joint savings goal and track the progress via the Royal Bank of Sotland mobile app.
Information Message

Take a look at our savings account range Open in new window

How to set up a joint account online

To set up a joint bank account, you’ll need to add the new party to your new or existing current account.

Switch to Royal Bank

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old 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 Switch Service work?

Open in new window

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 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 Royal Bank of Scotland customer?
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Which account are you changing?
You can check which type of account you have on Digital 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 of the person you’re adding. You’ll also need the sort code and account number of one of their Royal Bank of Scotland accounts.

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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 Digital 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 Digital 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 Revolve accounts. We’re also unable to add someone to our Silver, Platinum and Black accounts.

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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 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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Start my application

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.

Previous
Start my application