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