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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 arranged 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.

  • 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

In branch

Pop into any Lloyds Bank branch and our staff will be happy to help. In busier periods when staff may not be immediately available, we’ll be happy to book an appointment for a later date. You can also call 0345 300 0000 (+44 1733 347 007 from outside the UK) to book an appointment in advance. Lines are open 24 hours a day, 7 days a week.

You must both come to your local Lloyds Bank, and will both need to provide identification (such as a driving licence or passport). If you aren’t an existing Lloyds Bank current account holder, you’ll need to bring:

Find your nearest branch

Adding a second person to your existing account

At your local branch

If you already have a current account with Lloyds Bank, you can add a second person at your local branch. You must ensure they come with you to your local Lloyds Bank, and you will both need to provide identification (such as a driving licence or passport).

Closing a joint account

If you’d like to close your joint account, you can let us know:

Removing someone from your account

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.

Switch your account to us within seven days

Current Account Switch Service logo

Useful phone numbers

These lines are available 24/7.