To apply for any joint accounts, you must be 18+ and a UK resident. Specific account criteria and eligibility apply.
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Open a joint current account
Joint bank accounts
Joint Bank Accounts | NatWest Bank Accounts
Why a joint bank account may be best for you?
A joint bank account is simply a type of account that gives equal access to two people, making both parties responsible for the account.
It’s much like having your own, the only difference is that you can both control what happens. This includes making payments, setting up Direct Debits and using any arranged overdraft.
Joint accounts are commonly used to manage shared household bills. This might be with a housemate or a partner. These accounts are useful for outgoings such as:
- Mortgage
- Rent
- Groceries
- Utility bills
When you have a joint current account you’ll both get a contactless debit card. You can also manage your joint account using the mobile banking app or via Online Banking.
Discover the benefits of setting up a bank account with NatWest and start the process for a joint bank account today.
Our basic current account
Our Select account is a basic bank account that gives you everything you need for your day-to-day banking needs:
- Monthly fee free banking.
- Take care of your bank account on the go with our mobile app and Online Banking. Criteria apply.
- Pay however you like with Apple Pay, Google Pay™ and contactless. Limits apply.
To apply, you need to be 18+ and a UK resident.
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Reward current account
With the Reward bank account, for a £2 fee you could:
- Earn up to £5 a month back in Rewards.
- Redeem your Rewards as cashback, gift-cards or e-codes with a range of retailers.
- Even donate your Rewards to charity if you like.
To apply, you need to be 18 or over and a UK resident. To hold this account, you need to pay £1,250 into an eligible NatWest account every month. To earn £5 rewards, you earn £4 a month back in rewards for two or more Direct Debits (at least £2 each) and an additional £1 a month back in rewards with one mobile app log in.
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How to open a joint bank account
Opening a joint bank account with NatWest may include a few more steps than when you’re opening an account on your own. But we try to keep it simple. To create a joint account, you'll need to add the party to your new or existing current account.
Are you new to us?
Switch to NatWest
The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account to your new account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.
We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.
Current Account Switch Guarantee (PDF, 39KB)
Here 24/7
You can talk to us wherever and whenever you choose using Video Banking. This 24/7 service can help you keep on top of your goals with a free Financial Health Check.
Help with financial health
It’s also possible to access our digital Financial Health Check. The process only takes a few minutes and can help get your finances back on track.
Security matters to us
Security is important to us. That’s why we give you the option of being able to lock and unlock your debit card. If you or the other joint account holder misplaces a card, you can easily keep your finances safe until you find it.
All on the app
This is all done via the NatWest mobile app. This tool is helpful to manage your joint account and stay in control of your finances on the go.