Joint Accounts

Joint bank accounts are an easy way to help two people manage money together.

What will you get with a joint account?

  • Both account holders get a contactless VISA debit card
  • Both people can manage the account through Internet Banking and the Mobile Banking app
  • You can apply for a shared, arranged overdraft

How can a joint account help you?

  • Keep track of your shared spending – you can both withdraw, deposit, and make payments
  • Budget together – set yourself a joint budget each month
  • You can open one with a partner, family member, housemate, or friend
  • Save money – if you open a joint packaged account, both of you get the everyday cover you need, for one monthly fee

Joint accounts: FAQs

Important information

If you’re thinking about opening a joint account with someone, it’s important to know what you’re getting into before signing on the dotted line. Here are a few things to consider:

  • Both account holders must be aged 18 or over
  • Student Current Account and Youth accounts cannot be made into joint accounts
  • You can both use the benefits and features that come with the account, without needing the approval of the other person
  • You’re both equally responsible for debts on a joint account, including overdrafts. You won’t usually be able to remove yourself from the account
  • A joint account ties your financial records together, which could impact your credit score. It means you might not be able to open new accounts or get credit in the future
  • You can both use the account however and whenever you please. You don’t have to get permission from the other person, and they don’t need it from you. Either of you can withdraw money, increase the overdraft, set up a Direct Debit or standing order and carry out transactions without the other person knowing
  • Both of you will be able to see activity on the account, including where money’s been spent. That might not be suitable for everyone

If you are struggling with a joint account because of financial abuse, visit Bank of Scotland | Financial abuse support | Help Centre to find out how we can help.  There might be other ways of managing your money that are more suitable for you than a joint account.

Find the best way to apply for a joint account

Apply online

To open a joint bank account online you must both bank with Bank of Scotland and Log in to Internet Banking or the Mobile Banking app.

Log in to apply

Become a customer

To become a Bank of Scotland customer, take a look at our bank account range. Once you’ve opened a sole bank account and you are able to Log in, you can also apply for a joint account.

Compare our bank accounts

Apply in branch

If you are not a Bank of Scotland customer and would only like a joint account or you would like to add a person to an existing bank account please find your nearest branch and book an appointment. You will both need to attend the appointment in branch.

Find your nearest branch
Financial Services Compensation Scheme