Premier Banking
Premier bank accounts
Joint Accounts
. . .

Premier

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.

On this page

£180 Switch offer Open in new window

What is a joint bank account? Open in new window

Types of joint bank account Open in new window

How to set up a joint account Open in new window

Frequently asked questions Open in new window

Ready to apply Open in new window

Get our £180 offer when you switch into one of our Premier Reward accounts

Apply online or via our mobile app to open a new Premier Reward account and switch your current account held elsewhere using the Current Account Switch Service. This means your old bank account will close and any funds and Direct Debits will move over to us.

If you're an existing customer, you can switch your account held elsewhere in to an existing eligible Premier Reward account, or switch in and upgrade an existing account to one of our Premier Reward accounts.

To be eligible for the offer, within 60 days of completing the switch, you must:

Have an eligible Premier Reward account.
Pay in £1,250. This can be made of multiple payments and must remain in the account for 24 hours.
Log in to our mobile app. If you already have the app, you’ll need to be on the latest version.

Account must be opened in a sole name before being made joint. It's not possible to switch a joint account into a sole account. If you're looking to switch in a joint account to us, you will need to wait for the joint account process to complete before requesting the switch.

When you've met these conditions, we'll pay £180 into your eligible account within 7 days.

Information Message

Monthly fees apply. If you've previously received a switch incentive from NatWest Group, you won't be eligible for this offer. Offer can be withdrawn or amended at any time due to limited availability. App criteria apply. Offer T&Cs apply.

Switch offer T&Cs

Switch offer T&Cs (PDF, 166KB)

Current Account Switch Guarantee (PDF, 39KB)

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

Find out more about switching Open in new window

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.

Choose the option that's right for you:

Myself and the joint applicant are both new customers

There are a few steps to follow:

One of you opens a new individual account. Please note that you will need to provide identification and any other relevant documents for upload.
Await an email confirmation to tell you your account is ready to use.
Once you’ve received this, you can add a second person to the account. Do this via the ‘apply’ section at the bottom of this page.
Please note that it's not possible to add someone to all accounts. This includes Black and Savings accounts.

Apply today Open in new window

One of us is an existing customer and one is a new customer

Open a new account which you will both share

The new customer should open a new sole account.
Wait for confirmation via email that the account is ready to use.
After receipt of the email, you can add the second party to the account. Head to the 'apply' section at the bottom of this page.
Please note that it's not possible to add someone to all accounts. This includes Black and Savings accounts.

Share an existing account

Follow the instructions to add someone to your existing account via the 'apply' section at the bottom of this page.
Please note that it's not possible to add someone to all accounts. This includes Black and Savings accounts.

Apply today Open in new window

Myself and the joint applicant are both existing customers

Open a new account which you will both share

One of you opens a new account.
Wait for a confirmation email informing you the account is ready to use.
Scroll to the bottom of this page to the 'apply' section and add the second party as a joint account owner.
Please note that it's not possible to add someone to all accounts. This includes Black and Savings accounts.

Share an existing account

Follow the instructions to add someone to your existing account via the 'apply' section at the bottom of this page.
Please note that it's not possible to add someone to all accounts. This includes Black and Savings accounts.

Apply today Open in new window

Questions about joint bank accounts

Can I have a joint account with more than one person?

Unfortunately not. Our joint bank accounts are only available between two parties.

What happens if joint account holders become separated?

In the unfortunate situation of a dispute between you, you can cancel the joint account mandate. Neither of you will be able to use the account until the dispute has been settled, and each of you will be held liable for any debt on the account.

If you wish to close your joint account, then both parties need to agree. If there are any regular payments on the account, or any debt to be paid off, you will need to decide how these will be settled before the account can be closed.

What happens if a joint account holder passes away?

In the circumstance that one joint account holder passes away, we can change the joint account to a sole account. The best thing to do is speak with your nearest branch, or write to us.

Can I apply for an Arranged Overdraft on a joint account?

Yes, you can apply for an Arranged Overdraft on your joint account within our Mobile Banking app or Online Banking.

During the application we only need one of the account holders to give us information about income and outgoings. We will run a full credit check to confirm the overdraft limit we can offer. If you go overdrawn on your joint account, each account holder will be responsible for paying off any money you owe.

Can I switch a joint account held elsewhere to a NatWest joint account?

Yes, you can use the Current Account Switch Service to switch a joint account from another bank to NatWest in the same way you can a sole bank account.

Do packaged joint bank accounts cost the same as packaged sole bank accounts?

Yes they do. The fee you pay for one of our packaged accounts (such as Reward Silver or Reward Platinum) is only dependent on which account you choose.

How do we close a joint account?

If you wish to close your joint account, then both parties need to agree. If there are any regular payments on the account, or any debt to be paid off, you will need to decide how these will be settled before the account can be closed.

In the unfortunate situation of a dispute between you, then you can cancel the joint account mandate. Neither of you will be able to use the account until the dispute has been settled, and each of you will be held liable for any debt on the account.

If you wish to close your joint account, then you need to pop in to a branch or write to us.

We’ll also need the number of signatories to match our records. For example, if the account is set up with "one to sign" then it can be closed by either person on the account. If it’s set up as "two to sign" then both need to sign to close the account.

If I am applying for a joint account, do I need to do anything differently for the £180 Switch offer?

The criteria for the switch offer is the same whether in your name only or in joint names, however accounts must be opened in a sole name before being made joint. It is not possible to switch a joint account into a sole account so if you are looking to switch a joint account into us, you will need to wait for the joint account process to complete before requesting the switch.

You will still be able to get the switch offer as long as all of the switching criteria outlined in the terms and conditions are met.

If I have a joint account, will we both receive cashback if we take up the £180 Switch offer?

No, the £180 for the switch offer is only paid once to the joint account in this scenario.

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 account, 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?

Please choose an option below to continue

Adding someone to my account

Removing someone from a joint account

Are they also a NatWest customer?

Please choose an option below to continue

Yes

Which account are you changing?

You can check which type of account you have on Online Banking or through our mobile app.

Please choose an option below to continue

Premier Select account

Premier Reward account

Foundation account

Another account / I’m not sure

Do you have our mobile app?

Let us know if you have our mobile app on the device you're using right now.

Please choose an option below to continue

Yes, I have the app on this device

No, I don't have the app

I have the app, but it's on a different device

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

You’ll need the full name of the person you’re adding. You’ll also need the sort code and account number of one of their NatWest accounts.

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.

Get our 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.

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.

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.

Start my application

Important information

Which accounts are eligible?

You can use this online form to remove a person from your:

Joint current account
Joint savings account

If the account you are looking to remove a party from has more than 2 account holders, you will be unable to use the online service. To process this request we will need you to visit your local branch.

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

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.

Start my application