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What is a joint bank account?

A joint account is sharing a current account with someone else.

Joint accounts are often used to manage shared payments, like a mortgage or the weekly food shop. This could be with your partner, a roommate, or even an elderly relative. You'll share all the ins and outs so choose wisely before opening a joint bank account.

You'll both be able to manage your joint account using our app or online banking. And you'll both get a contactless debit card.

Share your spending

Bring your cash together for stress free money management of your shared bills.

  • Budget like a boss with our in-app budgeting tool
  • Tag your spending to see where you can save
  • Earn wallet-winning cashback on qualifying purchases
A phone with the app on it, showing a Joint account with a balance of £1,800. Beneath are two transactions - Electric company, bills - direct debit, minus £106.41, and Netflix, £10.99.
A phone with a rectangular tile which shows a Joint Saver account with a balance of £13,800, and another tile showing Holiday - £1,800 of £1,800 and the word "Goal!", then a third tile saying "New home" £12,000 of £12,000

Power up your savings

Saving for a holiday or a new home together? Get a joint current account that comes with a linked savings account.

  • Boost your balance with interest on your current account and savings balances
  • Set up savings pots in the app to achieve your shared savings goals
  • Save on fees. We won't charge you for spending on your card or withdrawing cash when you're abroad. So you know, some cash machines might charge a fee.

Choose a joint account

Our M Plus and Club M accounts are available as joint bank accounts.

Explore their features and choose the right one for you

MOST POPULAR ACCOUNT

Our everyday bank account

M Plus Account

No monthly fee for maintaining the account

Our most popular account comes with everything you’d expect from a current account, and:

  • Exclusive access to other accounts, offers and more
  • 2.50% AER (2.48% gross p.a. variable) on a linked saver account on balances up to £25,000. 2.00% AER (1.99% gross) on balances above £25,000. Interest paid quarterly.
  • 1.00% AER (1.00% gross p.a. variable) on your current account balance up to £1,000. Interest paid monthly.
View M Plus Account

Packaged bank account

Club M Account

£12.50 monthly fee for maintaining the account

This account has everything you get with an M Plus Account, plus:

  • Worldwide family multi-trip travel insurance
  • Worldwide family mobile and gadget insurance
  • Breakdown cover
View Club M Account

Questions about joint accounts

First you and your joint account partner will need to decide whether you want to apply for an M Plus or Club M account. Once that's decided, apply through the M Plus Account or Club M Account page.

You'll both need to enter some personal info. Then we'll digitally verify your identities with a ‘liveness’ selfie and a photo of some ID. Ideally this is a UK driving license but we also accept a valid UK passport or a proof of address document. Find out more about how we verify your identity.

Both joint account holders own the money in a joint bank account. Even if you’ve put different amounts into the account, the money belongs to both joint account holders equally.

When one joint account holder dies, the account will become a sole account and remain active. All payments into or out of the account will continue as normal.

If you go your separate ways and wish to close your joint bank account, we’ll need both parties to agree in writing. You can then divide the money between you. Any overdraft on the account would need to be paid off before you can close the account.

You and your joint account partner need to agree to you being removed and decide how you'll split the money. Contact us once this is agreed and we'll sort it for you. If you cannot agree, contact us to cancel access to the account. The account will be frozen so no one can use it, including you. We'll only remove your name when you both agree how to split the money. If you cannot reach an agreement, you may need to take this to court.

Yes, as long as your current account is with another bank that’s part of the Current Account Switch Service. All you have to do is fill out a form and agree a switch date with us. It’ll only take 7 working days to switch and it's covered by the Current Account Switch Guarantee

Using the Current Account Switch Service means everything will be done for you. That includes speaking to your old bank to request the switch and the closure of your old accounts. We'll keep you up to speed with how it's going at all times.

To switch your joint account, give us a call on 0800 678 3654 or +44 141 221 7300 if you're abroad. We're here Monday to Friday, 8am to 6pm and Saturday, 9am to 1pm. Calls may be recorded for training and quality purposes.

Learn more about switching