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Joint Accounts

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Premier Banking

Joint 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...

What is a joint bank account? Open in new window

Our joint current 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

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 Digital Banking.

Ready to add someone Open in new window

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

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 Royal Bank customers. Must be 18+ and a UK resident to apply. Not eligible for our £180 Switch offer.

Information Message

Find out more about Premier Select Open in new window

Premier Reward

£2 a month

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 Royal Bank debit card

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

Information Message

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:

Choose the option that's right for you:

We’re both new Royal Bank of Scotland customers

To open a new joint account with us, you just need to follow 3 steps:

Open a new account
One of you will need to open a new bank account. You’ll need to open it as a sole account first and then add the other person later. We’ll email you to let you know when the account is open.
Create a Customer Profile
While one of you is setting up your new bank account, the other person will need to create a Customer Profile. A Customer Profile is an online profile for people who have never banked with us before, it lets us get the info we need to add them to a bank account and check their identity.
Add the Customer Profile to the bank account
Once you get confirmation that the bank account is open and the Customer Profile has been created, you'll be able to add the profile to the bank account. You can do this either through the mobile app or by using the link on this page.

Information Message

You can only add someone to our Select, Reward, Premier Select and Premier Reward accounts.

Ready to add someone Open in new window

One of you banks with us

Do you want to open a new account or add someone to an existing bank account?

Information Message

You can only add someone to our Select, Reward, Premier Select and Premier Reward accounts.

We want to open a new account that we’ll share

The person who’s new to Royal Bank should open the new account.
We’ll email them to say when the account is open.
Once they get the confirmation email, they can add you to the account. They can do this either through the mobile app or by using the link on this page.

I want to add someone to an existing account

We’ll need to check the ID of the person you’re adding to your account. We can do this by getting them to create a Customer Profile. A Customer Profile is an online profile for people who have never banked with us before, it lets us get the info we need before we can add them to your bank account.
Once their Customer Profile is set up, you’ll be able to add them to your account. You can do this either through your mobile app or by using the link on this page.

Ready to add someone Open in new window

You both bank with us

Do you want to open a new account or add them to an existing bank account?

Information Message

You can only add someone to our Select, Reward, Premier Select and Premier Reward accounts.

We want to open a new account that we’ll share

One of you opens a new account.
We’ll email to let you know when the account is open.
Once you get the confirmation email, you can add the other person to the account, either through the mobile app or by using the link on this page.

I want to add them to an account I already have

You can do this either through the mobile app or by using the ‘Ready to add someone’ link on this page.

Ready to add someone Open in new window

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

Can I have a joint account with more than one person?

Unfortunately not. Our joint bank accounts are only available between two parties.

What happens if joint account holders become separated?

In the unfortunate situation of a dispute between you, you can cancel the joint account mandate. Neither of you will be able to use the account until the dispute has been settled, and each of you will be held liable for any debt on the account.

If you wish to close your joint account, then both parties need to agree. If there are any regular payments on the account, or any debt to be paid off, you will need to decide how these will be settled before the account can be closed.

What happens if a joint account holder passes away?

In the circumstance that one joint account holder passes away, we can change the joint account to a sole account. The best thing to do is speak with your nearest branch, or write to us.

Can I apply for an Arranged Overdraft on a joint account?

Yes, you can apply for an Arranged Overdraft on your joint account within our Mobile Banking app or Online Banking.

During the application we only need one of the account holders to give us information about income and outgoings. We will run a full credit check to confirm the overdraft limit we can offer. If you go overdrawn on your joint account, each account holder will be responsible for paying off any money you owe.

Can I switch a joint account held elsewhere to a Royal Bank joint account?

Yes, you can use the Current Account Switch Service to switch a joint account from another bank to Royal Bank in the same way you can a sole bank account.

Do packaged joint bank accounts cost the same as packaged sole bank accounts?

Yes they do. The fee you pay for one of our packaged accounts (such as Reward Silver or Reward Platinum) is only dependant on which account you choose.

How do we close a joint account?

If you wish to close your joint account, then both parties need to agree. If there are any regular payments on the account, or any debt to be paid off, you will need to decide how these will be settled before the account can be closed.

In the unfortunate situation of a dispute between you, then you can cancel the joint account mandate. Neither of you will be able to use the account until the dispute has been settled, and each of you will be held liable for any debt on the account.

If you wish to close your joint account, then you need to pop in to a branch or write to us.

We’ll also need the number of signatories to match our records. For example, if the account is set up with "one to sign" then it can be closed by either person on the account. If it’s set up as "two to sign" then both need to sign to close the account.

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?

Please choose an option below to continue

Adding someone to my account

Removing someone from a joint account

Are they also a Royal Bank of Scotland customer?

Please choose an option below to continue

Yes

Which account are you changing?

You can check which type of account you have on Digital Banking or through our mobile app.

Please choose an option below to continue

Premier Select account

Premier Reward account

Foundation account

Another account / I’m not sure

Do you have our mobile app?

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

Please choose an option below to continue

Yes, I have the app on this device

No, I don't have the app

I have the app, but it's on a different device

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.

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.

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.

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.

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.

More about Customer Profiles

Important information

Which accounts are eligible?

You can use this online form to remove a person from your:

Joint current account
Joint savings account

If the account you are looking to remove a party from has more than 2 account holders, you will be unable to use the online service. To process this request we will need you to visit your local branch.

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

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.

Start my application