Joint account

Joint Account Features

  • One account in the name of two or more people.
  • A handy way to share outgoings and see them on one monthly statement.
  • Each person gets a Visa debit card and chequebook (if the current account comes with a cheque book).
  • Choice to add someone to your existing account or open an extra joint account.
  • Easy to move money between your different accounts.

Key information

  • Please 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 cannot 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.
  • Both people named can use the account benefits and features without needing for the approval of the other.


It's quick and easy to set up a joint account online. You can do so in as little as 7 working days. Here's how the process works:





Open a new Current Account in one of your names and select the make it Joint option.
Invite the other person to join the account straight after you or separately by e-mail.
Once the other person has completed the application: we'll send you an activation code in the post.
Once you've entered the activation code we will add the other person to the account and confirm by e-mail.

As part of opening a new current account (step 1) you may be offered an overdraft in your sole name. Please do not accept this and wait until you receive an email confirmation that the join is complete (step 4) to apply for an overdraft in joint names.

Open a new current account

Choose from the accounts listed below to open a joint account now:


Club Lloyds current account

Classic Account

Features and benefits              
  • Access to variable, tiered credit interest on Club Lloyds current account balances from £1 up to £5,000, as long as you pay at least 2 different Direct Debits from your Club Lloyds current account each calendar month.
  • Exclusive access to offers on other Lloyds Bank products, such as savings, mortgages, home insurance and credit cards.
  • Choice of one Lifestyle Benefit from three options – dining offers with annual Gourmet Society membership, 6 Vue cinema tickets, or an annual magazine subscription from a selection of titles.
  • Free everyday banking as long as you stay in credit.
  • £25 interest-free planned overdraft. (Subject to application and approval).
Monthly account fee
As long as you pay £1,500 or more into your account each calendar month, we’ll waive the £5 Club Lloyds monthly fee. If in any month you don’t pay in this amount, you will need to pay the fee. Free
Interest rate
Variable, tiered credit interest paid on balances in your Club Lloyds account from £1 to £5,000 when you pay at least two different Direct Debits from your account each calendar month. N/A
  • Internet Banking
  • Phonebank
  • Mobile Banking
  • Cashpoint®
  • Branch
  • Text Alerts
  • Post Office
  • Internet Banking
  • Phonebank
  • Mobile Banking
  • Cashpoint®
  • Branch
  • Text Alerts
  • Post Office

Find out more

Find out more
Add another person to your existing account(s)

Log onto Internet Banking to apply:

Applying in branch

To apply for a joint account in branch, both parties need to be present and provide identification in person.

Find your nearest branch

What identification to bring

  • Each person can make withdrawals, write cheques, apply for an overdraft or use cash machines without needing the approval of the other.
  • Both of you are responsible for any debts on the joint account, such as an overdraft – even if only one of you withdrew the money from the joint account.
  • The other person’s finances may affect your credit rating. Credit reference agencies often create a financial link or 'association' between two people who have a joint account that lets them borrow money.
  • Add a cardholder to your credit card. This gives another person a card for your credit account. The extra card is free, with no monthly fees. It’s different from a joint account – for example, you’re responsible for any transactions the cardholder makes.
  • Under 19, Student and Graduate accounts cannot be held in joint accounts.

If you’d like to close your joint account or remove someone from it, let us know:

  • via Phonebank®: 0845 3 000 000
  • In Branch. Find your nearest branch
  • in writing