Joint Accounts

Joint bank accounts are an easy way to help two people manage money together.

What will you get with a joint account?

  • Both account holders get a contactless VISA debit card
  • Both people can manage the account through Internet Banking and the Mobile Banking app
  • You can apply for a shared, arranged overdraft

How can a joint account help you?

  • Keep track of your shared spending - you can both withdraw, deposit, and make payments
  • Budget together - set yourself a joint budget each month
  • You can open one with a partner, family member, housemate, or friend
  • Save money - if you open a joint packaged account, both of you get the everyday cover you need, for one monthly fee
Two Classic cards

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 account

Before you apply, there are a few questions to answer so we can find the right option for you.

 

Are you an existing Lloyds Bank customer?

Do you want to add someone to an existing current account or set up a new one?

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Apply in branch

If you would like to add a person to an existing current account please find your nearest branch and book an appointment. You will both need to attend the appointment in branch.

You cannot add someone to an existing account if it is no longer on sale.

Find your nearest branch

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Are you both Lloyds Bank customers?

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Is the second applicant a Lloyds Bank customer?

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One of us banks with Lloyds Bank

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

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

You’ll both need to be able to log on to Internet Banking or the Mobile Banking app.

Browse our range of products

You can also open a new joint account in branch

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Neither of us banks with Lloyds Bank

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

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

Browse our range of products

Once you both have a Lloyds Bank product, you’ll both need to:

  • Register for Internet Banking.
  • Log onto Internet Banking or download the Mobile Banking app.
  • Apply together side by side.

You can also open a new joint account in branch

Go back

One of us banks with Lloyds Bank

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

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

You’ll both need to be able to log on to Internet Banking or the Mobile Banking app.

Browse our range of products

You can also open a new joint account in branch

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Are you both registered for Internet Banking or do you both use the Mobile Banking app?

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You both need to be registered for Internet Banking or use the Mobile Banking app, before you can apply for a joint account online

Start banking online with us for the first time.

Register now

Reset your log on details or find your username.

Reset now

Download our simple and safe Mobile Banking app.

Download now

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Log on to apply

Log on to apply for your new joint account. Remember, you'll need to apply together side by side.

Log on to apply

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Existing customers

If you already have a Lloyds Bank account, you can manage it here.

Manage your account

Help & guidance

Learn how to get the most out of your Lloyds Bank current account.

Account help & guidance

Overdrafts

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

Overdrafts

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

Current accounts

Join the millions of customers already enjoying their Lloyds Bank current account.

Current accounts

Current accounts

Join the millions of customers already enjoying their Lloyds Bank current account.

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.