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.
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.
You have two options when you are looking to apply to open a joint account:
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.
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).
If you’d like to close your joint account, you can let us know:
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.
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.