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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.

Setting up a new joint account online

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.

If neither of you are an existing Lloyds Bank current account holder, you will both need to bring:

You can come to see us in any Lloyds Bank branch and our staff will be happy to help. In busier periods when staff may not be available right away, we will be happy to book an appointment for a later date as we know your time is precious. You can also call 0345 300 0000 (+44 1733 347 007 from outside the UK) to book an appointment in advance. Lines are open 7am - 11pm, 7 days a week.

Find your local branch


Adding a second person to your existing account

At your local branch

If you already have a current account with Lloyds Bank, you can add a second person at your local branch. You must ensure they come with you to your local Lloyds Bank, and you will both need to provide identification (such as a driving license or passport).

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 arranged overdraft facility is needed after the account has been converted to a sole account.

Switch your account to us within seven days

Current Account Switch Service logo

Useful phone numbers

These lines are available 24/7.

Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an adviser for more information.