Joint Savings Account

Open an account in two peoples' names or add another person to your existing account

Features and benefits

  • With two people sharing one account, you can reach your shared savings goals faster.
  • You can both manage your account in branch, through Internet Banking or over the phone.
  • If the account comes with a Cashpoint® card, you can have one for each of you.
  • You can grow your savings even faster by registering for Save the Change™.
  • Both of you can set up standing orders.

Keep in mind

  • You might be unable to open a joint account for all savings accounts, such as cash ISAs.
  • Either of you are able to close the account in a branch. However, if we become aware of a dispute between you we may prevent either of you giving instructions or using the account individually until it’s resolved.

How to open a joint savings account

Online applications must be initially opened in a sole name. Once opened, your account can be made joint in branch or over the phone.

Please note that due to current coronavirus restrictions, if you wish to do this in branch then you will need to phone and book an appointment with your branch first.

Find your nearest branch Find the nearest branch

Apply to make your savings account joint

The person you add to your existing savings account must be over 16 and have a Lloyds Bank current account; unless you have an Online Step Bond or Easy Saver then they don’t need to have a Lloyds Bank current account.

Financial Services Compensation Scheme

Eligible deposits held with us are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK’s deposit guarantee scheme.

FSCS logo 

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.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).