The challenging times we’re all experiencing means we’re getting a lot more calls than usual and our call times are longer. So we can support people in the most vulnerable situations, we ask that you only call us if your enquiry is urgent. You can still use our online and mobile banking services and our automated service.


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.
  • Online and in branch

    You have two options when you are looking to apply to open a joint account:

    • One of you can get the process started by opening an account online. You will both then need to pop into branch to make it a joint account.
    • Both of you can open your joint account from start to finish at one of our branches.

    For either option, we recommend booking an appointment at your local branch. You can also book by calling us on 0345 300 0000 (+44 1733 347 007 from outside the UK). Lines are open 7am - 11pm, 7 days a week.

    If you already bank with us please bring your bank card or another form of identification with you. If neither of you are an existing Lloyds Bank current account holder, you’ll need to bring proof of identity.

  • At your local branch

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

    Book an appointment at your local branch and a member of staff will help you add the second person from start to finish. Make sure you come in together.

    Find your nearest branch

    If you already bank with us please bring your bank card or another form of identification with you.

    If the other person isn’t an existing Lloyds Bank current account holder, they’ll need to bring proof of identity and proof of address.

    What to bring for identification

  • 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

Switch Guarantee

Financial Services Compensation Scheme

FSCS - Protecting your money

Useful phone numbers

Lost or stolen cards

0800 096 9779

(+44 1702 278 270 from outside the UK)

Contact us

0345 300 0000

(+44 1733 347 007 from outside the UK)

These lines are available 24/7.

Important legal information

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

We may monitor or record telephone calls to check out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.