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Open a joint bank account

A joint account is a simple way for two people to share access to the same bank account.

Benefits of a joint account

  • Two people can manage one account through Internet Banking and the Mobile Banking app
  • You can still keep your own personal current account
  • Both account holders get a contactless VISA debit card
  • You can pay your mortgage or rent and any other joint bills from one account
  • You can track your spending more easily

Keep in mind

  • Both account holders must be aged 18 or over.
  • Under 19 and Student Accounts can't be made into a joint accounts.
  • Both people named on the account are individually and jointly responsible for any debts on the joint account.
  • Credit reference agencies often create a financial link or association between people who have a joint account. Meaning that 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 the approval of the other.

How to open a joint account

Open a new joint account

You will both need to come into branch to open a joint account, but one of you can get this started by applying online.

  1. You can start your application online for a sole current account
  2. Then you will need to make an appointment in one of our branches to add the second person and complete your joint account application
  3. Both of you will need to visit the branch and bring proof of identity*. In most cases this can be a UK driving licence, passport from the United Kingdom or Biometric Residence Permit card. If you do not have any of these, you will need to bring one document to prove your identity and another to prove your address using any documents from this list

Choose your account and apply

Find your nearest branch

Add someone to an existing bank account

As an existing customer you can turn your current account into a joint account by going into branch.

  1. You will need to make an appointment in one of our branches to add the second person and complete your joint account application
  2. Both of you will need to visit the branch and bring proof of identity*. In most cases this can be a UK driving licence, passport from the United Kingdom or Biometric Residence Permit card. If you do not have any of these, you will need to bring one document to prove your identity and another to prove your address using any documents from this list

Find your nearest branch

*If you are an existing Lloyds Bank customer, you can use your bank card as identification.

Joint accounts: FAQs

  • Joint accounts are a great way for two people to manage their money more easily. It’s up to you both to decide how to use the account.

     

    • You can both withdraw, deposit, and make payments
    • You both get a debit card to use independently
    • You can both use a shared arranged overdraft. You'll need to apply for an arranged overdraft
    • You’re both responsible for the balance of the account, no matter who spent what
    • You can pay in and withdraw from the account without seeking permission from the other person each time

    Arranged overdrafts are available to customers aged 18 years or older and are subject to approval based on our assessment of your circumstances. Overdrafts are repayable in full on demand.

  • Ensure you add the second person to your new account before completing your switch.

    You’ll need your debit card or details of the account you wish to switch from, income details, your home address and the details of any arranged overdraft you have on your existing bank account.

    You can switch both sole accounts and joint accounts into a joint account.

    You can’t switch a joint account into a sole account until the second party has been removed from the account.

     

  • A request to remove someone from your bank account can be made in branch and will only be accepted where the account is in credit.

    You will need to tell us if any Direct Debits or standing orders will need moving, or if they will continue to be paid from this account.

  • The money in the account is owned by all named account holders. Each account holder can withdraw, deposit, and manage the funds in the account.

  • Any account holder can close the account, with agreement from all account holders. To do this you'll need to go into branch.

    Any Direct Debits or standing orders will need to be moved before the account can be closed.

  • Yes it does. If one of you has a poor credit history, you will be co-scored and your credit ratings will become linked. So consider any joint financial arrangements carefully.

  • Yes you can. Joint accounts are commonly used by married couples or those in civil partnerships, but couples who live together use them too. You can open one with a family member, a housemate, or a friend.

  • You can start the process to open a joint account online. However, you will both need to go into a branch to complete the application.

Compare our joint bank accounts

You can apply to open any of our current accounts below as a joint bank account. Start your application for a sole account online and add an additional person by visiting your local branch.

Club Lloyds Platinum account

£21 monthly fee for maintaining the account
+
£3 monthly Club Lloyds fee,
but we’ll refund this every month in which you pay in £1,500 or more.

 

  • Worldwide multi-trip family travel insurance
  • AA breakdown cover
  • Mobile phone insurance
  • Choose a Club Lloyds benefit each year
  • Earn interest on your money – on balances up to £5,000, when you pay out two different Direct Debits each month
Club Lloyds Platinum account

Platinum account

£21 monthly fee for maintaining the account

  • Worldwide multi-trip family travel insurance
  • AA breakdown cover
  • Mobile phone insurance
Platinum account

Club Lloyds account

£3 monthly fee for maintaining the account, but we’ll refund this every month in which you pay in £1,500 or more.

  • Earn interest on your money – on balances up to £5,000,  when you pay out two different Direct Debits each month
  • Choose a yearly benefit from:
    • a Gourmet Society membership
    • 6 cinema tickets
    • a magazine subscription
    • 12 digital movie rentals
Club Lloyds account

Classic account

Free everyday banking

  • No monthly fee for maintaining the account
Classic account

Find your nearest branch

Visit us in 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. Alternatively, make an appointment at your local branch.

Financial Services Compensation Scheme

FSCS - Protecting your money

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.