Joint savings accounts

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

Features and benefits

Save faster

Reach your savings goals faster when you both save into the joint account. You can grow your savings even quicker by registering for Save the Change®.

Easy account management

You can both manage your account through online banking, in a branch or over the phone. 

Joint account features

You can both set up standing orders, and if the account comes with a Cashpoint® card, you can both have one. 

Let's break it down

Who it's for

Apply to make your savings account joint.

  • The person you add to your existing savings account must be over 16.
  • The person you add to your existing account must have a Lloyds current account.
  • This is unless you have an Online Fixed Bond or Easy Saver, then they don’t need to have a Lloyds current account.

How it works

  • Open an account in your sole name. 
  • Once opened, make your account into a joint account in a branch or over the phone. Find your nearest branch

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. But, 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.

What to do next

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

In a branch

Booking an appointment is recommended as the process will take around 60 minutes.

Both you and the person you wish to add to your account need to visit the branch together.

Bring any debit card (where applicable) for the accounts together with proof of identification.

Find your nearest branch

By phone

You can call us to apply for a joint savings account.

Call us

Other savings options

Instant access savings accounts

Fixed rate savings accounts

Cash ISAs

Childrens savings accounts

Compare savings accounts

Learn about savings

What is AER?

Should I save or invest?

Savings help and guidance

Manage your account

Make your account joint

Save the Change®

Savings support

Protecting your money

FSCS logo

The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS



Protecting your money

FSCS logo

The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS

You may also like

Savings accounts

We offer a range of flexible accounts, with minimum deposits starting from as little as £1.

Ways to save

Savings calculator

Work out how much to save each month to reach your goal and how long it will take.

Work out your savings

Save the Change®

Save money on the go when you pay with your Lloyds debit card.

Start saving today

Savings accounts and ISAs

Browse our latest savings account offers, including options helping you to make the most of your annual ISA allowance.

View our savings accounts

Savings accounts and ISAs

Browse our latest savings account offers, including options helping you to make the most of your annual ISA allowance.

View our savings accounts