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NatWest Premier current accounts

Joint bank accounts

To apply for any of these accounts, you must be 18+ and a UK resident. Specific account criteria and eligibility apply.

What does a joint bank account mean?

Having a joint bank account is the same as having your own, except two people have control and responsibility over the account, including any arranged overdraft (subject to approval).

Both people can spend money from the account, and we'll give you a contactless Visa debit card each. You'll also be able to manage your joint bank account together using our Mobile Banking app, or via Online Banking.

Types of joint bank account

You can set up a joint bank account with a range of our savings and current account products, excluding Student and Adapt (child) accounts;

NatWest Select - our basic everyday banking account, with the features you'd expect from a standard account, and no fee.

Our Reward current accounts - earn £4 a month back in Rewards for two or more Direct Debits - two of those Direct Debits needs to be at least £2 each. Plus, earn an extra £1 a month back in Rewards with one mobile app log in. You can also earn at least 1% on spend with our Partner Retailers. Some Reward accounts also include additional benefits, such as mobile phone insurance and travel insurance. Monthly fees apply.

Premier bank accounts - these accounts provide benefits for higher net worth customers to help you get the most from your finances.

Joint savings accounts - a joint savings account can help you save together. Using our mobile app, you can set up a goal and track your joint progress towards a dream holiday, or perhaps a rainy day fund. To apply for a joint savings account, you'll both need to already hold a current account with us. 
Learn more about joint savings accounts

See our range of current accounts Open in new window

How to set up a joint bank account online

Opening a joint bank account with NatWest may include a few extra steps than when you're opening an account on your own. But we try to keep it simple, you'll need to add the party to your new or existing current account.

Questions about joint bank accounts

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)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Current Account Switch Service work?

Get ready to apply

To speed up your application, we’ll need to do a few final checks with you. They'll only take a minute.

  • If you’re adding someone to your accounts, they’ll need to be aged 18+ and a UK resident 
  • If you’re removing someone from an account, you’ll need to make sure you have their permission 

We currently can’t add a new person to bank accounts that use “Travel account”.

Continue
Are you adding or removing someone from your account?
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Are they also a NatWest customer?
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Next
Which account are you changing?
You can check which type of account you have on Online Banking or through the mobile app
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Next
Do you have an overdraft on your account?
Select 'Yes' if you have an overdraft on your account, even if you aren’t using it at the minute. You can check if you have an overdraft using Online Banking or the mobile app.
Previous
Next

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

  • Adding someone to your account will change it into a Joint account. You’ll both share responsibility for the joint account and any money in it 
  • Once added, you’ll need the other person’s permission to remove them from the account

 

What you’ll both need:

  • A selfie (from the front and side profile)
  • Photo ID, such as Driving Licence, Passport or EU ID card

You’ll both receive an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous
Start my application
Do you have our mobile app?
Let us know if you have our mobile app on the device you're using right now.
Previous
Next

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

 

  • Adding someone to your account will change it into a Joint account.
  • You’ll both share responsibility for the joint account and any money in it.
  • Once added, you’ll need the other person’s permission to remove them from the account.

 

What you’ll need:

To find the person you’re adding, we’ll need their full name and one of their NatWest sort code and account number

Previous

You'll need our app to continue

To add someone to your account, you’ll need to use our mobile app.

It won’t take long to download and get set up.

You just need:

 

  • Your Online Banking PIN and password
  • Your mobile phone to get your one-time passcode
Previous
Get app

Apply using your mobile device

Scan the QR code on your mobile device that you’ve got the app on. You’ll then be able to apply in a flash.

Previous
Do you have an overdraft on your account?
Select 'Yes' if you have an overdraft on your account, even if you aren’t using it at the minute. You can check if you have an overdraft using Online Banking or the mobile app.
Previous
Next

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

  • Adding someone to your account will change it into a Joint account. You’ll both share responsibility for the joint account and any money in it
  • Once added, you’ll need the other person’s permission to remove them from the account

 

What you’ll both need:

  • A selfie (from the front and side profile)
  • Photo ID, such as Driving Licence, Passport or EU ID card

You’ll both receive an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous
Start my application
Do you have our mobile app?
Let us know if you have the mobile app on the device you're using right now.
Previous
Next

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

 

  • Adding someone to your account will change it into a Joint account.
  • You’ll both share responsibility for the joint account and any money in it.
  • Once added, you’ll need the other person’s permission to remove them from the account.

 

What you’ll need:

To find the person you’re adding, we’ll need their full name and one of their NatWest sort code and account number

Previous

You'll need our app to continue

To add someone to your account, you’ll need to use our mobile app.

It won’t take long to download and get set up.

You just need:

 

  • Your Online Banking PIN and password
  • Your mobile phone to get your one-time passcode
Previous
Get App

Apply using your mobile device

Scan the QR code on your mobile device that you’ve got the app on. You’ll then be able to apply in a flash.

Previous

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

  • Adding someone to your account will change it into a Joint account. You’ll both share responsibility for the joint account and any money in it 
  • Once added, you’ll need the other person’s permission to remove them from the account

 

What you’ll both need:

  • A selfie (from the front and side profile)
  • Photo ID, such as Driving Licence, Passport or EU ID card

You’ll both receive an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous
Start my application

We need to know which type of account you’re changing

You can check which account you have using Online Banking or our Mobile app. 

You can only add someone to the following types of account:

  • Premier Select
  • Premier Reward
  • Foundation

 

Got a different type of account?

We can’t add a person to some types of account including our Saving, Student, and Adapt accounts. We’re also unable to add someone to our Silver, Platinum and Black accounts.

Previous

You're all set

Adding someone to your account is a big change. Before you commit, take time to think about the following:

  • Adding someone to your account will change it into a Joint account. You’ll both share responsibility for the joint account and any money in it 
  • Once added, you’ll need the other person’s permission to remove them from the account

 

What you’ll both need:

  • A selfie (from the front and side profile)
  • Photo ID, such as Driving Licence, Passport or EU ID card

You’ll both receive an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous
Start my application

Important information

To remove a person from your account you'll need their consent.

Previous
Next

You're all set

What you’ll both need:

  • A selfie (from the front and side profile)
  • Photo ID, such as Driving Licence, Passport or EU ID card

You’ll both receive an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous
Start my application