Choose whether to add someone to your existing account, or to open an extra joint account.
Each person gets a Visa debit card and can request a cheque book, if it is available with the main account.
Each person can make withdrawals, write cheques, apply for an overdraft or use cash machines without needing the approval of the other.
It's easy to move money between your different accounts.
You should visit your local branch to make your account joint if you have a planned overdraft limit on the account that you would like to keep.
Accounts that are overdrawn, or have a Planned Overdraft, can't be made joint online.
Both people named on the account are individually and jointly responsible for any debts on the joint account.
Credit reference agencies frequently create a financial link or association between people who have a joint account; meaning the financial situation of the other person on the account could affect your credit rating.
If you don’t have an existing Lloyds Bank current account, you can set up a joint bank account in as little as seven days. Simply:
If you already have a current account with Lloyds Bank, you can add a second person online or at your local branch
If you’re adding a second person to your account, you must ensure they come with you to your local Lloyds Bank. You will both need to provide identification (such as a driving licence or passport).
If you’d like to close your joint account, you can let us know:
If you’d like to remove someone from your joint account you can let us know:
No appointment is necessary, unless a new overdraft facility is needed after the account has been converted to a sole account.