Santander joint accounts

All of Santander’s adult current accounts can be set up as joint accounts, including its range of Edge accounts.

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

If you’re looking for a joint bank account to help you manage shared finances, Santander has a broad range of accounts to choose from – whether you’re after a straightforward account or would prefer one that offers a selection of perks and benefits. The benefit of going for the latter is accessing the perks and only having to pay one fee.

With Santander, you can even put shared cash away in a joint savings account to help you save for your next holiday or home improvements, for instance. However, it’s worth comparing these accounts with others on the market to ensure you’re picking the right account for you and the other account holder.

Pros and cons of Santander joint accounts

Does Santander offer a joint account?

Yes, Santander offers several joint bank accounts. Both account holders will receive a debit card for shared spending, and you’ll be able to use the account in the same way as an individual account. The difference is you’ll have joint responsibility for the account, which includes repaying any overdraft you use.

You can usually manage joint accounts online, via the Santander app, in branch and over the phone. As Santander has a UK banking licence, your joint funds are protected up to £120,000 per person by the Financial Service Compensation Scheme (FSCS).

Which accounts are joint?

These are the Santander accounts that you can set up as joint bank accounts:

• Everyday Current Account
• Santander Edge
• Santander Edge Up
• Santander Edge Explorer
• Basic Current Account

For more information on each of these accounts, take a look at our guide to Santander current accounts.

It’s also possible to open joint savings accounts with Santander if you want to save towards a shared goal.

How do I get a joint account with Santander?

If you’re applying for a new account with Santander, the process is pretty straightforward as you can add another account holder during the application process. You can do this online, over the phone or in branch.

If you already hold a Santander account that can be held on a joint basis, you can only add another account holder by printing off and filling out a current account or savings account form, and getting the other account holder to sign it. You will also need to send in some ID for the new account holder.

The form can be sent to Santander by post. Alternatively, you can make an appointment in branch. Note that this process can vary slightly depending on the account.

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