Joint accounts

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

Two people using one account.
A simple way to share spends and see them on one monthly statement.
Both account holders get a Visa debit card and separately set up and manage Internet Banking.

Please be aware of the following

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

We may need some identification to get your current account opened.
Existing Lloyds Bank account holders can use your bank card as a form of ID. New customers will need to bring an acceptable form of ID into branch with you.

Please take a look at our acceptable forms of identification.

Looking to switch your joint account to us expandable section

Ensure you add the other account holder 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.

All arranged overdraft applications are subject to approval after our assessment of your circumstances, and are repayable in full on demand.
Remove someone from a joint account expandable section

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.

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.