Compare Joint Current Accounts

Compare the best joint account deals from all the best joint current account providers in the UK & find the best joint accounts for your circumstances in minutes. Our joint bank account comparison makes it easy to search for the the best bank account for couples and makes opening a joint account online an absolute breeze.
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 Monthly ChargeMinimum Monthly CreditOverdraftHeadline Interest Rate 
Interest FreeBufferStandard RateStandard Charge
Nationwide
FlexAccount
£0£0none£1518.9%£00%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 18.9% EAR (variable).
Free Multi-trip European insurance cover, No monthly fee, Independently rated 5 star by Defaqto
First Direct
1st Account
£10£0£250£1015.9%£00%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 15.9% EAR (variable).
Monthly charge is waived if £1,000+ is paid in per month.
With the 1st Account you will get £100 for switching (if you've not tried them before) and a £250 interest-free overdraft comes as standard. Discover how easy it is to move your account. Plus £100 if you're not happy after six months and want to leave.
Halifax
Current Account
£0£0none£10
---
£1-3
per day
0%
Representative Example: If you use a planned overdraft of £1,200, then you will be charged a daily fee of £1. Overdrafts are subject to status.
Add 'Control' to your account to help you prevent going into an unplanned overdraft (£10 monthly fee applies).
A standard current account that's exactly what you'd expect. It's an easy and convenient account for your day-to-day banking.
Halifax
Reward Current Account
£0£0none£50
---
£1-3
per day
0%
Representative Example: If you use a planned overdraft of £1,200, then you will be charged a daily fee of £1. Overdrafts are subject to status.
To qualify for the £100 use the Current Account Switch Service to transfer all active credits (at least £750 each month) and debits (minimum... more
Up to £160 cashback in the first year. Made up of £100 for switching an active bank account held elsewhere to Halifax and 12 monthly £5 reward payments - receive £5 each month you pay in £750, pay out 2 direct debits and stay in credit.
NatWest
Select Account
£0£0£10£619.89%
£6
per month
0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.89% EAR (variable).
Earn a minimum of 1% of your spend at participating retailers with Cashback Plus. Voted the best card benefits programme of the year at the Card and Payment Awards
RBS
Select Account
£0£0£10£619.89%
£6
per month
0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.89% EAR (variable).
Earn a minimum of 1% of your spend at participating retailers with Cashback Plus. Emergency cash if you lose your card.
RBS
Select Silver Account
£10£0£10£619.89%
£6
per month
0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.89% EAR (variable).
Includes - 3 LOVEFiLM DVD rentals per month. 5 hmvdigital music downloads per month. European Travel Insurance. Mobile Phone Insurance including iPhone
NatWest
Select Silver Account
£10£0£10£619.89%
£6
per month
0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.89% EAR (variable).
Includes - 3 LOVEFiLM DVD rentals per month. 5 hmvdigital music downloads per month. European Travel Insurance. Mobile Phone Insurance including iPhone.
Barclays
Bank Account
£0£0none£119.3%£00%
Representative Example: Up to £5,000, 19.3% interest per annum (variable). Subject to status & application.
A straightforward bank account with a contactless debit card. Visit the Features Store to tailor your account with the features and benefits that fit the way you want to bank.
Bank of Ireland
Clear Account - Level 1
£0£1,500none£208.84%£00%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 8.84% EAR (variable).
Bank of Ireland
Clear Account - Level 2
£0£500none£2013.8%£00%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 13.8% EAR (variable).
Bank of Ireland
Clear Account - Level 3
£0£0none£2015.5%£00%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 15.5% EAR (variable).
Bank of Ireland
Basic Cash Account
£0£0none£0
---
---
0%
Bank of Scotland
 
Classic Account
£0£0£25£1019.94%
£6
per month
0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.94% EAR (variable).
Bank of Scotland
 
Classic Account with Control
£10£0£25£1019.94%
£6
per month
0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.94% EAR (variable).
Bank of Scotland
 
Platinum Account Ex/C
£17£0£300£1017.28%
£6
per month
0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 17.28% EAR (variable).
This product is only available to existing customers.
Bank of Scotland
 
Silver Account Ex/C
£9.95£0£50£1019.94%
£6
per month
0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.94% EAR (variable).
This product is only available to existing customers.
Bank of Scotland
 
Vantage Classic Account
£0£1,000£25£1019.94%
£6
per month
3%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.94% EAR (variable).
Bank of Scotland
 
Vantage Platinum Account Ex/C
£17£1,000£300£1017.28%
£6
per month
3%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 17.28% EAR (variable).
This product is only available to existing customers.
Bank of Scotland
 
Vantage Silver Account Ex/C
£9.95£1,000£50£1019.94%
£6
per month
3%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.94% EAR (variable).
This product is only available to existing customers.
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How to Set Up a Joint Current Account

We explain how to find the best joint current account, and how to go about opening a joint bank account that gives you the features you want.

Couple Paperwork

A joint bank account is simply a current account held in two or more names as opposed to one. They can offer a convenient way to manage shared expenses and household bills by cutting down on the administration you need to do.

Joint bank accounts can be opened by anyone, not just couples. This means you could equally set up a joint account with a friend or flatmate as you could with your husband, wife, civil partner, boyfriend or girlfriend. There's also no limit as to how many joint account holders there can be on one account.

Whether you're opening an account with your significant other, or someone else; choosing the best joint current account will save you time and money.

How to compare joint current accounts

To find the best joint account you should compare your options then prioritise the accounts that offer the features you want and whittle down your options so you're left with the joint account that gives you the best match.

When you're carrying out your joint bank account comparison you should look at whether monthly fees are charged (and if so how much and what you get for your money), the interest payable on the account balance and the cost of arranging or using an overdraft. Finding out how you'll be able to access your account (in branch, online, via telephone) and whether you'll get a debit card and cheque book are also important.

Finally, each bank or building society will specify a number of terms setting out how the account will operate and how you will be able to use it, including:

  • Who can access money in the account
  • If permission is needed from the other account holders before you can make a withdrawal
  • Who can use any credit the account is eligible for
  • Who is responsible for repaying the whole amount of any overdraft (credit) on the account
  • What to do if your relationship with a joint account holder ends or changes

To get the most from your joint account comparison, you'll need to compare joint bank accounts to make sure that you're happy with their terms and conditions as well as the account features).

How to get the best joint accounts

The application for a joint account is much the same as for standard current accounts, with most banks and building societies offering options for opening a joint account online, in-branch or occasionally by phone.

Your joint bank account application confirms who is to manage the account, who is to be party to the account, responsibility for any debt attached to the account and you acceptance of the accounts terms and conditions. So, you should decide how the account will be managed before you apply. The bank or building society will produce an account mandate based on this that you'll each need to sign, to open the account.

By comparing the features, responsibilities, and terms and conditions attached to each joint account, you will be able to filter the best bank accounts for couples or housemates based on your needs so you find the best joint account from the UK's top providers.

Something to bear in mind...

It's important to realise that when you open a joint account with someone (be it a friend, relative or significant other) you automatically become financially associated.

While this in itself isn't necessarily a problem if they have a good credit rating, if they don't or go on to have issues with credit down the line, then this may reflect badly on your own credit standing - at worst this could affect your ability to get credit in the future.

Furthermore, if you apply for a joint overdraft account then you will be jointly responsible for repaying any and all money borrowed - even if the other account holder is unable to.

Again, while this shouldn't stop you opening a joint account if you need to, you do need to consider whether you trust that the person you're going to open the account with won't leave you saddled with debt and a damaged credit rating!

Current Account Comparison