Joint Accounts

Joint bank accounts are an easy way to help two people manage money together.

What will you get with a joint account?

  • Both account holders get a contactless VISA debit card
  • Both people can manage the account through Internet Banking and the Mobile Banking app
  • You can apply for a shared, arranged overdraft

How can a joint account help you?

  • Keep track of your shared spending - you can both withdraw, deposit, and make payments
  • Budget together - set yourself a joint budget each month
  • You can open one with a partner, family member, housemate, or friend
Two Classic cards

  • Two or more parties can open a joint account. If you need an account with more than two people, please go into your nearest branch to discuss your options.

     

  • You’ll need to visit a branch if you’d like to remove someone from the account in branch. Just make sure any overdraft debt is cleared before you do. 

     

  • We only need an instruction from one of the account holders to close an account. You can close your joint account in branch, over the phone, by post or using the Webchat function in the Mobile Banking App.

    Any Direct Debits or standing orders will need to be moved and you must ensure all overdraft debt is cleared.

     

  • Yes. 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. Ensure your new account is in joint names before completing your switch.

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

Keep in mind

  • Both account holders must be aged 18 or over
  • Student Current Account and Youth accounts cannot be made into joint accounts
  • You can both use the benefits and features that come with the account, without needing the approval of the other person
  • Both people named on the account are individually responsible for the balance of the account, including any debts such as an arranged overdraft
  • Credit reference agencies often create a financial link or association between people who have a joint account which could affect your credit rating

Find the best way to apply for a joint account

Apply online

To open a joint current account online you must both bank with Lloyds and Log on to Internet Banking or the Mobile Banking app.

Log on to apply

Become a customer

To become a Lloyds Bank customer, take a look at our bank account range. Once you’ve opened a sole bank account and you are able to Log on, you can also apply for a joint account.

Compare our current accounts

Apply in branch

If you are not a Lloyds Bank customer and would only like a joint account or you would like to add a person to an existing bank account please find your nearest branch and book an appointment. You will both need to attend the appointment in branch.

Find your nearest 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.