NatWest joint accounts

NatWest has a range of accounts where you can add a second account holder, from its basic Select account all the way through to its Premier Reward account.

Our verdict: Is a joint account with NatWest worth it?

If you’re looking to get better at managing joint finances with your friend, housemate or partner, NatWest has a variety of different joint account options to explore – including savings.

However, it’s important to consider exactly what features you want from your joint account and compare NatWest accounts to other banks’ offerings to ensure you’re applying for the most suitable option.

Pros and cons of NatWest joint accounts

Does NatWest offer a joint account?

Yes, NatWest offers a number of joint bank accounts for 2 people. You’ll be able to do everything you can with a sole account, but you’ll share control and responsibility of your joint account with someone else.

Each account holder will get a debit card, and can manage the account online, through the app, over the phone or in branch.

As NatWest is a licensed UK bank, your joint funds will be protected up to £120,000 per person under the Financial Services Compensation Scheme (FSCS).

Which accounts are joint?

These NatWest accounts let you add a second account holder:

• Select account
• Reward account
• Premier Select account
• Premier Reward Black account

For more information on each of these accounts, take a look at our guide to NatWest current accounts. Also note, that NatWest’s Premier accounts have strict qualifying criteria.

There’s also the option to open a joint savings account with NatWest, as long as you are both existing customers.

How do I get a joint account with NatWest?

You won’t be able to apply for a joint account together. Instead, one of you must open a sole bank account and then add the other person to it once it’s up and running. If you already bank with NatWest and the account qualifies as a joint account, you can simply add the second person to the account.

You can open a joint account with anyone you want to share your finances with, whether that’s a friend, partner or flatmate. Accounts can be opened online.

To make sure you get accurate and helpful information, this guide has been edited by Kate Steere as part of our fact-checking process.

Written by

Rachel Wait

Writer

Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time. See full bio