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
Step 1: Open a current account
If you don't have a TSB current account, you'll need to open a sole account before making it joint. If you already have an account, go to Step 2.
Once your account is open, you can book an appointment with us to add someone else.
Everyone named on the account needs to show their ID.
How to open a joint account
Step 2: Add someone to your account
To turn a current account into a joint account, you'll need to book an appointment to show us your ID.
The easiest way to do this is by video call. You'll both need to join the call, but you don't have to be on the same device.
Or you can book an appointment to visit us in branch.
We use Adobe Sign for this kind of request. Adobe 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
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.
