Joint account


Features and benefits

  • 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.

Keep in mind

  • Under 19, Student and Graduate accounts cannot be held in joint accounts.
  • Cash account holders can only apply to make their account a joint account in branch, and not online.
  • 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.

Setting up a new joint account online

New customers

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:

  1. Open a new current account in one of your names and select the Make it joint option. You may be offered an overdraft in your sole name. Please do not accept this at this stage.
  2. Invite the other person to join the account straight after you or separately by e-mail.
  3. Once the other person has completed their application, we'll send you an activation code in the post.
  4. Once you've entered the activation code we will add the other person to the account and confirm by e-mail. Once confirmed, you can apply for an overdraft in joint names.

Adding a second person to your existing account

If you already have a current account with Lloyds Bank, you can add a second person online or at your local branch


Simply log on to Internet Banking and follow the steps to add another person. If you aren’t registered with Internet Banking, you can register here.

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 driver’s license or passport).

Closing a joint account

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


Important legal information

Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Authorisation can be checked on the Financial Services Register at www.fca.org.uk. Lloyds Bank plc is a member of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the code can be obtained from www.lendingstandardsboard.org.uk.

Lloyds Bank plc registered office:
25 Gresham Street,
London EC2V 7HN.
Registered in England and Wales No. 2065.

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