Joint current accounts

Opening a joint bank account could make it easier for 2 people to manage money together.

Features and benefits

Twin debit cards

Both account holders will get a contactless Visa debit card.

Optional overdraft

Apply for an arranged overdraft, giving you a short-term safety net.

Joint account access

Both account holders can manage the account online and in the app.

Share benefits

You could both access benefits on selected accounts for 1 monthly fee.

No secrets

Keep track of shared payments, withdrawals and deposits in 1 place.

Budget friendly

A handy way to manage a joint budget, for regular bills, shopping and more.

Important information

How well do you know that 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. Here are some things to think about before signing on the dotted line:

  • Both account holders must be aged 18 or over
  • Student Current Account and Youth accounts cannot be made into joint accounts
  • You can both use the benefits and features that come with the account, without needing the approval of the other person
  • If the account gets into debt, including overdrafts, you’re both equally responsible for it. It’s not as easy as just removing your name from the account
  • A joint account ties your financial records together. Having a shared debt could negatively affect your credit score and make it harder for you to borrow money on things like loans and credit cards in the future
  • The other person doesn’t need your permission to increase the overdraft, set up a Direct Debit, standing order or withdraw money. They can use the account however and whenever they like. And so can you
  • Both of you will be able to see every penny that’s been spent on the account and every transaction, which might not be suitable for everyone

If you’re struggling with a joint account because of financial abuse, visit Help with financial abuse | Help and Support | Lloyds Bank to find out how we can help. There might be other ways to manage your money that are better for you. 

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How to open a joint bank account

To open a new joint account online, you both need to hold one or more of the following products with us.

  • Current account.
  • Savings account.
  • Credit card.
  • Loan.
  • Mortgage.
  • Share dealing account.

Browse current accounts

Once you both have a Lloyds product, you can apply for a joint account online. To get started, you both need to:

  • register to manage your accounts online
  • be logged into online banking or the Lloyds app
  • be together while you apply, side by side.

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.

Help and guidance

Overdrafts

An arranged overdraft can act as a short-term safety net if you need to borrow a little extra money.

Overdrafts

Do more with the app

Find out about all the great features of our highly rated app and how it compares to online banking.

More about the app

Protecting your money

Compare current accounts

We have a range of current accounts to suit your needs.

Browse current accounts

People sat on a sofa high fiving

Compare current accounts

We have a range of current accounts to suit your needs.

Browse current accounts

Important legal information

Lloyds and Lloyds Bank are trading names of 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.

Account opening is subject to our assessment of your circumstances. You must be 18 or over to apply.