Joint bank accounts
Manage shared bills, everyday spending and financial goals together with a Lloyds joint account.
We’re ready to applyWhy open a Lloyds joint account?
- You’ll both get your own debit cards.
- You’ll both be able to manage the account online and in the app.
- You can both access all the benefits and features of the account.
- If your joint account has a monthly fee, only 1 fee will be charged.
We’re rated 5 stars by Moneyfacts for ease of opening a current account.
What is a joint bank account?
A joint account lets 2 or more people manage their money together. Each account holder has equal access to the account and can pay in money, make withdrawals and keep track of spending. It's a popular way for couples, family members and housemates to manage shared costs like household bills, groceries and rent.
Features and benefits
Let's break it down
How well do you know the person you’re thinking about opening a joint account with? Because it’s not just your cash you’re trusting them with, it’s your credit score too – and potentially your financial independence.
If you’re struggling with a joint account because of financial abuse, find out how we can help. There might be other ways to manage your money that are better for you.
Open a joint account in the app
If you both have a bank account with Lloyds, opening a joint account in the mobile banking app is easy.
If you'd prefer, log in to apply through the website.
Psst, want £30? Just refer a friend
If only one of you has a Lloyds product, ask them to refer you and you could both pocket £30 when you open a qualifying current account.
Compare our bank accounts
Filter by account type to find the one for you.
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Featured accounts |
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Featured accounts Monthly fee |
£0Free banking when you stay in credit. Other fees may apply. |
£5, refunded when criteria metRefunded each month you pay in £2,000 or more. |
£15, refunded when criteria metRefunded each month you pay in £5,000 or have £100,000 saved or invested with us. |
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Featured accounts |
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Featured accounts Can be a joint account |
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Featured accounts |
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Featured accounts No debit card fees overseas |
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Featured accounts Interest on your balance |
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Earn cashback when conditions are met. |
Earn cashback when conditions are met. |
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Featured accounts Exclusive mortgage offers |
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Club Lloyds customers get access to an exclusive initial mortgage rate discount. |
Lloyds Premier customers get access to our best initial mortgage rate discount. |
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Featured accounts Exclusive savings accounts |
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Club Lloyds customers get access to 4 exclusive savings accounts. |
Get extra interest on selected savings accounts. |
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Featured accounts Annual Lifestyle Benefit |
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Featured accounts Bupa Digital Family GP and Wellbeing subscription |
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Featured accounts Monthly cashback |
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We'll pay credit interest on balances up to £5,000 when you pay out 2 direct debits each month. |
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Featured accounts Financial coaching |
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Featured accounts Full account details |
Benefits supplied by selected third-party providers. Limits, terms & exclusions apply. Get up to 15% cashback with Offers from selected retailers. Retailer offers and cashback amounts vary.
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Packaged accounts |
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Packaged accounts Monthly fee |
£11.50 |
£22.50 |
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Packaged accounts |
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Packaged accounts Can be a joint account |
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Packaged accounts No debit card fees overseas |
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Packaged accounts Mobile phone insurance |
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Packaged accounts AA Roadside Assistance |
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Packaged accounts AA At Home and National Recovery |
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Packaged accounts European and UK family travel insurance |
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Packaged accounts Worldwide family travel insurance |
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Packaged accounts Packaged account details |
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Packaged accounts Packaged accounts with extras |
Benefits supplied by selected third-party providers. Limits, terms & exclusions apply. Get up to 15% cashback with Offers from selected retailers. Retailer offers and cashback amounts vary.
Every month you have the chance to win £2,026
You need to activate the offer each month and be paid £1,000 or more into your personal current account each month to enter the monthly payday prize draw.
Let’s look at the details
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Current account support
Learn how to get the most out of your Lloyds current account with our support pages.
Important legal information
Account opening is subject to our assessment of your circumstances. You must be 18 or over to apply.