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Premier Banking

Joint accounts

Current Account Switch Guarantee Logo

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

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.

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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

Eligible for our £175 Switch offer.

£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.

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Find out more about Premier Select Open in new window

Premier Reward

Eligible for our £175 Switch offer.

£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.

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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:

Switch to us and you could get up to £175

You could get £125 when you apply online or via our app to switch your current account held elsewhere into an  Premier Select or Premier Reward account using the Current Account Switch Service and an extra £50 if you open a Digital Regular Saver.

phone £125

1. Switch to us

Don't have a current account with us?  

Simply open an  Premier Select or Premier Reward account and  your bank account to us using the Current Account Switch Service.

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2. Within 60 days of switching

Pay in £1,250

This can be made of multiple payments and must remain in the account for 24 hours.

 

Log in to our mobile app

This can be done on any device that supports the Royal Bank mobile banking app.

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3. You're all set

When you've met these conditions, we'll pay £125 into your  account within 30 days, provided that your stays open. 

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Piggy bank £50

Fancy an extra £50?

Here's how it works:

Open a Digital Regular Saver (DRS) within 60 days of completing your switch to us.  Once you receive your £125, we'll then add another £50 to your DRS within 30 days.

Total earned? £175!

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Premier and specific account eligibility criteria & conditions apply. Monthly account fees may apply. Offers can be withdrawn or amended at any time due to limited availability. Offers T&Cs and restrictions apply.  You are not eligible for these offers if you already have a current account with Royal Bank, if you're switching a current account from NatWest Group (NatWest or Ulster Bank NI), or if you've received a switch incentive from NatWest Group before.

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Questions about joint bank accounts

Switch offer FAQs

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”.

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