Take control of your shared bills and spending by turning any TSB current account into a joint account.
Only our under 19s, Student and Graduate accounts can't be joint.
What are the benefits of a joint account?
Shared spending
Everyone on the account has a debit card for easy everyday spending.
Easier to budget
One account for managing shared bills, like mortgage, rent, or the food shop.
Joint saving goals
Easily save for things like a house deposit, holidays, home renovations, or a wedding.
What is a joint bank account?
- A joint account is a current account that 2 or more people can share.
- Get paid straight into the joint account or transfer money in from individual accounts.
- You can add someone to an existing TSB account or open a new account together.
Is a joint bank account right for you?
- If there's any debt on the account, everyone named on the account is responsible for it.
- Other account holders can withdraw money, arrange overdrafts, and make other changes without asking.
- Some changes need permission from all account holders.
- Credit references often link joint accounts, which means the other holder's actions could affect your credit score.
How to open a joint account
To open a joint account, both applicants need to have a TSB current account or savings account. Here's how to get started if:
Both of you have TSB accounts
You can easily open a joint account in just a few minutes in the app
Only one of you has a TSB account
The person without a TSB account will need to apply for a sole account
Neither of you have a TSB account
You'll both need to apply for a TSB current or savings account before setting up a joint account
Already have a TSB current account and the app?
Scan the QR code to open the app
Open a new 'Joint account'
Let us know who you want to share the account with - we'll just need their name and email address to get started
If you'd rather apply in branch or over a video call, book an appointment.
We use Docusign for this kind of request. Docusign will pass the information you provide to us in a secure manner and won’t process it in any other way. Information on how we use your data can be found in our Data Privacy Notice.
Joint bank account FAQs
Yes. If each person has their own TSB current or savings account, you can open a joint account in the app.
To do this, open the app, tap into ‘Products’ and select ‘Joint account.’
You can also do this face-to-face by booking an appointment in branch or over a video call.
You can make almost any of our current accounts into a joint account, either by opening a new account or by adding someone to your existing one. The only accounts we have that can't be joint are our Under 19s, Student, and Graduate accounts. You also can't add someone to a Cash account if they already have a TSB account.
Yes, you can remove someone from your account. All account holders will need to agree to this.
You can only remove someone from an account that’s in credit. We’ll cancel any overdraft facilities before the person is removed.
There are three ways that you can remove someone from an account:
1. Use our online form. You can access the form here.
2. Arrange a video call. You can only book a video call appointment if two people own the account and one person needs to be removed. We’ll need both of your email addresses to get your agreement, but only the person who is keeping the account needs to join the call. If you still need an overdraft, let us know during the call. To arrange a video call appointment, please call 03459 758 758 or visit tsb.co.uk/appointments.
When using the online form or video call, you need to know the following:
We use Docusign for this kind of request. Docusign will pass the information you provide to us in a secure manner and won’t process it in any other way. Information on how we use your data can be found in our Data Privacy Notice.
Email addresses and Government ID are required for both account holders
3. If you aren’t able to access the online form or join a video call because you don’t have the correct identification or email addresses, you'll need to visit a TSB branch. Please call us on 03459 758 758 to arrange an appointment.
Yes, you can add anyone to a joint account. The only exception to this is our Cash account. Someone who has another TSB account can't be added to this type of account.
A joint account is a bank account that can be shared by two or more people. This could be your partner, a friend, a housemate, or family member.
It’s an easy way to pay for and manage shared costs, but it does carry some risks. For example, opening a joint account will link your credit ratings. If one of you has poor credit history then this will bring down the credit rating of the other. Similarly, if a debt is built up on that account, then everyone named on the account will be responsible for it.
It’s also worth pointing out that all joint account holders can spend the money in that account. So, only open a joint account with someone you trust.
If you’ve decided you no longer want a joint account, you can close your account online.
Alternatively, you can visit us in a branch and we’ll close your account for you. If you want to do this, please bring some ID and your TSB bank card with you.
Important information
Account Opening is subject to our assessment of your circumstances. You must be 18 or over and a UK resident to apply. Interest paid monthly. Overdrafts are subject to application and approval and are repayable on demand. Text alerts are free but your mobile operator may charge for some services. Please check with them. We don’t charge for your use of Mobile Banking but your mobile operator may charge for some services, please check with them. Mobile Banking is available on most internet enabled mobile devices. Services may be affected by phone signal and functionality. You must be registered for Internet Banking. Terms and conditions apply.
*AER (variable) means Annual Equivalent Rate. AER (variable) illustrates what your interest rate would be if interest was paid and compounded each year. Gross rate is the contractual rate of interest payable before the deduction of income tax.
