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Joint bank account

Household budgeting doesn't have to be a chore. 

Turn your TSB account into a joint account and you can both take control of shared bills and spending. 

What are the benefits of a joint bank account?

Simplify shared spending
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Everyone on the account has a debit card for easy everyday spending.

Easier to budget
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One account for managing shared bills, like mortgage or rent.

Fraud Refund Guarantee

We refund 98% of all fraud claims – more than any other bank.

What is a joint bank account?

  • A joint account is a current account that 2 or more people can share
  • Everyone on the account has a debit card to make payments or withdrawals.
  • Get paid straight into the joint account or transfer money in from individual accounts
  • If there’s any debt on the account, everyone named on the account will be responsible for it
  • You can add someone to an existing TSB account or set up a new account together
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How to open a joint account

Open a new joint account

You can start online by opening the current account that's right for you. Once that's set up, you can make it a joint account by booking an appointment with us.

This can be in branch or over a video phone, as we’ll need to take proof of ID for the person you want to add.

Not all current accounts can be joint accounts, for example U19, student and graduate.

How to open a joint account

Add someone to an existing account

If you already have a TSB current account, you can add someone to it and make it a joint account by arranging an appointment.

You can book an appointment online and talk to us using our video banking service if you have a Spend & Save or Spend & Save Plus account. For any other account, please visit us in branch.

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If you don’t have an email address, you can book an appointment to open a joint account in branch by calling us on 0345 9758 758.

Current Account Switch Guarantee

If you have a current account with another provider, it’s easy to move it to a joint account with TSB. You’ll just need to give us the details of your old bank, and we’ll do the rest – switching you in just 7 days.

Joint bank account FAQs

To switch a joint account to us, you’ll need to visit your nearest branch with the other person who will be named on the account.

You'll both need to bring your debit cards for the account you want to switch from.

Within 7 working days we’ll fully switch your account to us.

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.

Screen reader users are advised to use an alternative channel.

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.

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

When using the online form or video call, you need to know the following:

  • 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.

  • Screen reader users are advised to use an alternative channel

  • 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.

No, not all of our current accounts can be joint. For example, you cannot have a joint account with our U19, Student, Graduate or Classic Essentials accounts.

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.

Important information

TSB adheres to The Standards of Lending Practice which are monitored and enforced by the LSB:

To read more about our lending commitments to you, please click here to read the leaflet.