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Best Joint Bank Account in the UK

Best Joint Bank Account in the UK

If you are in the market for a new joint bank account, there are many options to consider. All the major UK banks offer joint accounts, but the service and features of these accounts will vary. While the most popular accounts have no service fee, some premium accounts bring you access to perks, such as discounts at popular stores. That said, each account still offers the same level of convenience: either you, your partner or friend can pay in, draw money out, or write cheques. In this post, we will provide an overview of the best joint bank accounts in the UK.

Barclays

Barclays

As a major high-street bank, Barclays offers a range of joint accounts. This makes it easy to manage household bills, draw money for shopping, or save for a rainy day. The most popular joint bank accounts from Barclays are current accounts. You can select from either the Barclays Bank Account, offering all you need for day to day banking, or the Premier Current Account, offering up to £1000 cash machine withdrawals, a fee-free overdraft, plus a variety of other rewards.

HSBC

HSBC

HSBC has both joint current accounts and savings accounts. The company offers a variety of products and services to help you manage your finances together. This includes the HSBC Bank Account, the Advance Bank Account, and the Premier Bank Account. All these accounts include no monthly fee and an overdraft service (subject to status). Advance and Premier accounts qualify you and your partner for discounts and a range of other offers.

Lloyds

Lloyds Bank

Lloyds offers joint bank accounts for ages 19 and above. You can select between UK current or savings accounts, ideal for helping you manage your finances. New accounts are available with a joint Visa debit card and give both account holders the ability to pay in, pay out, or sign cheques. The Current Account Switch Guarantee ensures a speedy, convenient account switch (if you’re switching from another bank).

Tesco Bank

Tesco Bank

Tesco Bank provides a joint current account service, which is ideal for married couples, partners, or even friends needing a joint account for convenience. Using Tesco, you can pay in, pay out and manage money online, plus use a Visa debit card for online and offline purchases. Tesco Bank differs from the main high-street banks in that you can collect Clubcard points for every £1 you spend at Tesco supermarkets.

Santander

Santander

Santander lets you choose between joint current or joint savings accounts, giving you plenty of flexibility – whatever your requirements. The bank’s joint current account, known at Santander as a Joint Checking Account, brings all the features of a regular current account (debit card, cheque book, etc.), but with access for two individuals. Additionally, if you are a parent wishing to exercise a level of control over your child’s spending, you can also apply for a Santander Youth Savings account, which places you as the legal guardian and co-owner of the account.

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