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Joint accounts in Ireland

Interested in opening a joint current account? Find out if it’s the right choice for you and how to compare your options.

Name Product Mobile view decorator Current Accounts Maintenance fee Fee period ATM transaction fee
VIALET Current Account
  • Maintenance fee

    0 €

  • Fee period

    Monthly

  • ATM transaction fee

    €2 + 2% per withdrawal
0 €
Monthly
€2 + 2% per withdrawal
An IBAN account you can use to manage your money and spend in over 200 countries worldwide, fee-free.
N26 Bank Account
  • Maintenance fee

    0 €

  • Fee period

    Monthly

  • ATM transaction fee

    €2 per withdrawal
0 €
Monthly
€2 per withdrawal
Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Wirex Standard
  • Maintenance fee

    0 €

  • Fee period

    Monthly

  • ATM transaction fee

    2% per withdrawal
0 €
Monthly
2% per withdrawal

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Benefit from an array of digital payment features, including a free prepaid Wirex card and unlimited fee-free transfers at interbank rates - with zero monthly subscription fee.
Wise Multicurrency Account
  • Maintenance fee

    0 €

  • Fee period

    Monthly

  • ATM transaction fee

    €0.50 + 1.75% per withdrawal
0 €
Monthly
€0.50 + 1.75% per withdrawal
Wise (formerly TransferWise) is an international account with over 50 currencies, instant and very convenient money transfers, a card to spend in any currency, bank details to be paid in 30 different countries and multi-currency direct debits.
Revolut Standard
  • Maintenance fee

    0 €

  • Fee period

    Monthly

  • ATM transaction fee

    €1 + 2% per withdrawal
0 €
Monthly
€1 + 2% per withdrawal
Enjoy no monthly fee, no currency conversion fees up to €1,000 per month and hold an array of currencies in your account.
AIB Student Account for 2nd Level Students
  • Maintenance fee

    0 €

  • Fee period

    Monthly

  • ATM transaction fee

    €0
0 €
Monthly
€0
A current account for students aged between 12 and 18 years, who are in part time or full-time second level education. If you apply for a debit card, AIB will cover the annual Government Stamp Duty.
KBC Student Current Account
  • Maintenance fee

    0 €

  • Fee period

    Monthly

  • ATM transaction fee

    €0
0 €
Monthly
€0
Benefit from a broad range of banking features, including free day-to-day transactions and withdrawals with this digital-focus transactional account.
Ulster Bank Foundation Account
  • Maintenance fee

    0 €

  • Fee period

    Monthly

  • ATM transaction fee

    €0
0 €
Monthly
€0
A hassle-free current account which lets you withdraw up to £300 cash per day. You could also access an emergency Cash service if your debit card is lost or stolen.
KBC Current account Plus
  • Maintenance fee

    0 €

  • Fee period

    Monthly

  • ATM transaction fee

    €0
0 €
Monthly
€0
Over 60s can benefit from fee-free everyday banking and pay zero quarterly maintenance fees.
AIB Student Plus Account
  • Maintenance fee

    0 €

  • Fee period

    Monthly

  • ATM transaction fee

    €0
0 €
Monthly
€0
A handy student account designed to make it easy for you to manage your banking in college. There are no quarterly maintenance and transaction fees to worry about.
Bank of Ireland 2nd Level Current Account
  • Maintenance fee

    0 €

  • Fee period

    Monthly

  • ATM transaction fee

    €0
0 €
Monthly
€0
A current account with a Visa Debit card that can be used to withdraw cash from ATMs and pay for goods and services. Online banking, Mobile banking and Telephone banking are all available with this account.
EBS Money Manager
  • Maintenance fee

    0 €

  • Fee period

    Monthly

  • ATM transaction fee

    €0
0 €
Monthly
€0
A fuss-free current account which charges no fees for day-to-day transactions. You'll receive a Mastercard debit card that you can use at ATMs, stores both in Ireland and abroad, and for shopping online.
Bank of Ireland Graduate Current Account
  • Maintenance fee

    0 €

  • Fee period

    Monthly

  • ATM transaction fee

    €0
0 €
Monthly
€0
A graduate current account that you can apply for if you have graduated from full-time third level education in the last three years. Get cashback rewards from top brands when registering your Visa debit card with Live Life Rewards.
KBC Basic Bank Account
  • Maintenance fee

    0 €

  • Fee period

    Quarterly

  • ATM transaction fee

    €0
0 €
Quarterly
€0
Benefit from a range of everyday banking transactions and pay zero fees.
AIB Advantage Account
  • Maintenance fee

    0 €

  • Fee period

    Monthly

  • ATM transaction fee

    €2.50 per withdrawal
0 €
Monthly
€2.50 per withdrawal
A versatile current acccount for customers aged 66 or over. There are no maintenance or transaction fees. Plus, you can manage your bills in any AIB branch, via the AIB app or Internet Banking.
KBC Teen Current Account
  • Maintenance fee

    0 €

  • Fee period

    Quarterly

  • ATM transaction fee

    €0
0 €
Quarterly
€0
Under 16s can benefit from free everyday banking as well as free Euro ATM withdrawals, without having to pay any quarterly maintenance fee.
SWIRL Prepaid Mastercard
  • Maintenance fee

    0 €

  • Fee period

    Monthly

  • ATM transaction fee

    €1.50 per withdrawal
0 €
Monthly
€1.50 per withdrawal
A secure, prepaid card that lets you manage and spend your money globally. Use in-store and online at over 30 million locations worldwide.
Ulster Bank Student Account
  • Maintenance fee

    0 €

  • Fee period

    Monthly

  • ATM transaction fee

    €0
0 €
Monthly
€0
Access a host of convenient online and mobile banking features, as well as cashback rewards with this current account.
Bank of Ireland Golden Years Current Account
  • Maintenance fee

    0 €

  • Fee period

    Monthly

  • ATM transaction fee

    €0
0 €
Monthly
€0
A personal current account for those who are 66 or older. This account comes with no quarterly current account transaction fees. Bank at a time that suits you with Online banking, Mobile banking and Telephone banking.
KBC Extra Current Account
  • Maintenance fee

    0 €

  • Fee period

    Quarterly

  • ATM transaction fee

    €0.30 per withdrawal
0 €
Quarterly
€0.30 per withdrawal
Lodge €2,000 every month and avoid maintenance fees and Euro ATM withdrawal fees, plus benefit from fee-free everyday banking transactions.
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Joint current accounts are a solution worth considering for partners that want to take the stress out of money matters and be easily able to control their monthly expenses with joint responsibility.

What is a joint current account?

A joint current account is a bank account that is shared and operated by two people, usually partners that live together. Each partner has a debit card and access to internet banking, with the ability to make everyday transactions such as payments and transfers from the account. Direct debits, standing orders and loan payments can also be set up to come out of the account for various expenses shared by the partners.

Who can open a joint current account?

You can open a joint account with anyone you want to share expenses with. While a joint current account is typically used between partners, it can also be used with a flatmate, friend or family member. Whoever you share the account with should be someone that you can trust completely. After all, they’ll have access to the money that they put into the account as well as any money that you put into the account.

What are the benefits of a joint current account over a standard account?

  • Easier to manage household expenses including rent or mortgage payments, utility bills, grocery shopping and even entertainment costs
  • A simple way to budget and plan for upcoming bills
  • Both parties can see everything that has been spent in the account

How should you manage a joint account?

The way you set up your joint account and manage it is completely up to you. Here are some options you can consider:

  1. Both of you deposit your entire salary into the account and manage all bills expenses out of it
  2. You both deposit an agreed-upon amount into the account each month and pay for shared bills and expenses from it

Consider the scenarios below to see what might work for you.

Bob and Jill

Bob and Jill have been living together for one year but are not married. Both partners have their salary or wages paid into their own personal account, and then each month they transfer €800 into the joint current account to cover their rent and utility payments that they share equally. While they trust each other to both have equal access to their shared current account, they both feel more comfortable keeping their own individual accounts for savings and non-shared expenses.

Mary and John

Mary and John have been married for 20 years and all of their income goes into their joint current account. Every month they have direct debits and mortgage payments coming out of this account and they transfer a portion into their joint savings account. Both Mary and John use their joint current account for everyday spending, as they have built a level of trust and agreement on how they spend their money together. Neither partner feels the need to hold an individual account with a separate pot of money.

Are there any risks to having a joint current account?

  • Both of you have access to the account. You need to make sure you trust anyone you share a bank account with. They will have full access to the account and any money you deposit in there.
  • Potential for debt. You may find that some banks ask you to set a limit on what can be spent from the account or that both parties will need to give consent for applying for an overdraft facility. This is a great way to ensure you don’t get into debt from the account.
  • Risks to your credit score. Both joint account holders are responsible for any fees, charges or debts that arise from the account, and your individual credit scores could be affected based on your partners’ financial activity.

How do you compare joint current accounts in Ireland?

With many options available for joint current accounts in Ireland, you can compare your options by considering the following:

  • Fees. Maintenance and transaction fees vary across banks, so it’s important to consider how you plan on using your account and looking for a fee structure that will complement this. Even though a maintenance fee may seem low, the bank may charge more for other transactions that will add up over time. It may be worth choosing an account with a higher maintenance fee but no transaction fees. Some joint current accounts waive fees if you lodge a certain amount each month or are able to keep a minimum balance at all times. While this is harder to do as an individual, with two people it is much easier.
  • Perks. Depending on your lifestyle and how you use your account, you may benefit from perks associated with your current account such as deals and discounts for partner businesses or cashback on purchases and bill payments.
  • Overdraft facility. An overdraft facility can be worthwhile having in case of unexpected bills or expenses in between paydays. Extra fees are usually charged for this, so make sure you and your partner are clear on the terms in which the overdraft can be used as you are both responsible for the debt.
  • Mobile payments. Some banks give you the option of linking your joint current account with Google Pay, Apple Pay or Fitbit Pay.
  • Loan interest rates. If you are thinking about taking out a mortgage to buy a home with your partner in the future, look for a joint current account that gives preferential interest rates to its existing customers. This could end up saving you money over the term of your loan compared to what another bank can offer.

How do I open a joint current account?

The process of opening a joint current account is very similar to opening a sole current account. However, the obvious difference is that there will be two sets of personal details to complete and verify. Most banks give you the option of opening a joint current account either online, by phone or by visiting a branch, although there are one or two that will only do it in person. First, you and your partner(s) need to make sure you are eligible and have the correct documentation.

In person

If you find that you can only apply for a joint account from your chosen bank in person, you’ll need to make an appointment either by submitting an appointment request form online. Double-check whether all joint account holders need to be present or whether one person can apply with all the relevant documentation for all parties. Once you have your appointment time, gather your documentation and the documentation of your partner(s) to take with you. This will include:

  • Identification (passport or UK or IE driving licence)
  • Proof of address (utility bill or statement from a financial institution)

Online step-by-step guide

To apply for a joint account online, you and the other intended joint account holder(s) will typically need to follow these steps:

Step 1: Shop around and compare joint current accounts

Step 2: Complete a joint account application form either on the bank’s website or through a mobile app. You will need to include your details as well as the details of the other intended joint account holder(s).

Step 3: Upload your identification and proof of address documents. Usually with online applications, you will be asked to provide two forms of identification rather than one. Don’t worry if you don’t have two forms of ID though as one of the following is typically accepted:

  • A photo of both your passport and UK or IE driving licence + proof of address; or
  • A photo of your passport and a selfie of you holding your passport + proof of address; or
  • A photo of your driving licence and a selfie of you holding your driving licence + proof of address

Step 4: The bank will verify the documentation for all joint account holders and process your application.

Step 5: The bank confirms your joint current account application is successful.

Step 6: Once receiving confirmation and further details, your joint current account is open and ready to use.

Each bank may have slightly different requirements so this is just a guide. Make sure to check with your chosen bank about its own eligibility criteria, specific account opening process and the documentation it requires.

Bottom line

Joint current accounts can take the stress out of managing finances when a partner or flatmate is involved. But you’ll need to share a certain level of trust. This is because you’ll both have access to not just your own money but any money deposited by the other joint account holder. You’ll also both be responsible for any fees or charges incurred so it’s important you agree how the account should be used. The good news is there are a few joint account options to choose from in Ireland so shop around and compare the features that suit you and your partner’s needs best.

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