Joint Bank Accounts
How to set up a joint bank account online
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 2 or more Direct Debits - 2 of those Direct Debits needs to be at least £2 each. Plus, earn an extra £1 a month back in Rewards with 1 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.
Learn more about joint savings accounts
To apply for any of these accounts, you must be 18+ and a UK resident. Specific account criteria and eligibility apply.
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 Online Banking.
Questions about joint bank accounts
Can I have a joint account with more than one person?
Afraid 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.