{"id":224551,"date":"2019-08-01T09:42:42","date_gmt":"2019-08-01T08:42:42","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=224551"},"modified":"2026-03-23T16:07:42","modified_gmt":"2026-03-23T16:07:42","slug":"joint-bank-accounts","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/joint-bank-accounts","title":{"rendered":"Best joint bank accounts in the UK for couples and friends 2026"},"content":{"rendered":"<p>Opening a bank account with someone else is not for the faint of heart. It may not be as romantic as a ring, but it\u2019s still a pretty big commitment. We also have a guide on <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/best-joint-savings-accounts\">joint savings accounts<\/a> if you are looking to save money for an extended period of time and earn interest on the balance. <\/p><h3 id=\"reviews\">Summary: Best joint bank accounts in the UK 2026, by category<\/h3><table class=\"luna-table has-margin-bottom-large\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Bank<\/th><th scope=\"col\">Best for<\/th><th scope=\"col\">Finder score<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\"><a href=\"#best-all-rounder-for-overseas-spending\" class=\"scroll\">Starling<\/a><\/th><td>Best all rounder &amp; for overseas spending<\/td><td>9.8\/10<\/td><\/tr><tr><th scope=\"row\"><a href=\"#best-for-budgeting-tools\" class=\"scroll\">Monzo<\/a><\/th><td>Best for budgeting tools<\/td><td>9.3\/10<\/td><\/tr><tr><th scope=\"row\"><a href=\"#best-for-multiple-account-holders\" class=\"scroll\">TSB Spend &amp; Save<\/a><\/th><td>Best for multiple account holders<\/td><td>8.2\/10<\/td><\/tr><tr><th scope=\"row\"><a href=\"#good-for-spending-together-in-app\" class=\"scroll\">Revolut<\/a><\/th><td>Good for spending together in app<\/td><td>8.9\/10<\/td><\/tr><\/tbody><\/table><div class=\"content tableWithFilters\n        \n        \n         best-cards-table-container\" id=\"comparison-table\" data-section=\"table\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <script type=\"text\/javascript\">\nvar getEventToListenTo = () => {\n  if (window.matchMedia('(any-hover:none)').matches) {\n    if (window.matchMedia('(max-width: 450px)').matches) {\n      return \"scroll\";\n    }\n  }\n  return \"DOMContentLoaded\";\n};\nvar eventToWatch = getEventToListenTo();\nconst loadFinderScoreModalukfsacur = () => {\n  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loadFinderScoreModalukfsacur);\n};\nwindow.addEventListener(eventToWatch, loadFinderScoreModalukfsacur);\nvar showFinderScoreModal = (niche) => {\n  var existCondition = setInterval(function() {\n    const modalLoaded = document.getElementById('finderScoreModal-ukfsa-cur');\n    if (modalLoaded) {\n      clearInterval(existCondition);\n      modalLoaded.classList.remove('elementHidden');\n    }\n  }, 500); \/\/ check every 0.5s\n}\n<\/script><div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"525e0a18-b93e-4ea7-b0d3-d9eb5464ae7d\" data-template=\"comparison\" data-niche=\"UKFSA-CUR\" data-site=\"UKFSA-CUR\" data-auto-recalculate=\"true\" data-post-country=\"uk\" data-fieldset=\"best_UKFSA-CUR_joint_bank_accounts\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"224551\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"false\" 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data-pagination-nav-prev-offset=\"0\" data-product-count=\"4\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"6969a651baff4751b9396ef3092676b33878964f9c5d1a251e18f7321948b554\" data-table-record-type=\"product\" data-table-record-ids='[\"b4955ee2-2df9-44fa-8c63-b0cff8078ce0\",\"5be67640-ad1c-47c1-a0e7-3c44987b4ea2\",\"e3adc185-e3d9-4c23-ab40-f8d67249b49f\",\"0e1b011e-99ac-4d72-83d0-94c3433afbc2\"]' data-total-data=\"4\" data-enable-top-filters=\"false\" data-total-product-count=\"4\" data-sponsored-placements=\"0\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-3\"><th data-mobile=\"hide\" data-ajax-table-sorter-column=\"UKFSA-CUR.PRODUCT.DATAPOINT_FINDER_SCORE_V2_M\" class=\"comparison-table__feature default-sort-descending tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"finder_score\" data-ajax-table-sorter-default-direction=\"DESCENDING\">\n                                                        Finder Score\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th class=\"comparison-table__feature  sorter-false  \" data-field-targetable=\"\" data-sorter-title=\"account_fees\">\n                                                        Account fees\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"PRODUCT.MONEYFACTS.INCREDIT1_RATE1_AER\" class=\"comparison-table__feature Interest (AER) tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"interest\">\n                                                        Interest (AER)\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKFSA-CUR.PRODUCT.UKFSA_CUR_KEY_BENEFITS_MF_PLAIN\" class=\"comparison-table__feature comparison-table__feature--longtext no-margin-bottom no-padding-bottom tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"incentive\">\n                                                        Incentive\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><\/tr><\/thead><tbody><style>\n\t.rewards-infobox .deals-banner { display:flex; flex-direction: row; border-radius: 16px; border:1px solid #000; overflow: hidden; }\n\t.rewards-infobox .deals-left { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); display:flex; flex-direction: column; align-items:center; justify-content:space-between; position: relative; width: 110px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-left { width: 110px; } }\n\t.rewards-infobox .deals-right { background:#1a50ff; color:#fff; padding: 8px; display:flex; flex-direction: column; gap:2px; justify-content:center; flex: 1; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-right { padding: 8px; } }\n\t.rewards-infobox .deals-phone { position: absolute; top: 8px; left: 12px; }\n\t.rewards-infobox .deals-ends { color:#000; font-weight:800; font-size:12px; line-height:12px; padding:6px 10px; font-style: italic; border-radius: 9999px; display:inline-flex; align-items:center; text-transform: uppercase; display: none; }\n\t.rewards-infobox .deals-ends-text { padding-top: 2px; }\n\t.rewards-infobox .deals-header { display:flex; align-items:center; flex-wrap: nowrap; gap:4px; cursor:pointer; }\n\t.rewards-infobox .deals-amount { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); color:#232320; font-size:32px; line-height:28px; letter-spacing: -0.75px; text-transform: uppercase; padding: 2px 4px 0 2px; border-radius: 4px; font-style: italic; font-weight: bold; font-size: 30px; }\n\t.rewards-infobox .deals-title { color: white; text-transform: uppercase; font-style:italic; font-weight:bold; font-size:16px; flex: 1; }\n\t.rewards-infobox .deals-list { display:flex; flex-direction: column; flex-wrap: wrap; gap:2px; margin: 4px 0 2px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-list { flex-direction: row; row-gap: 4px; column-gap: 20px; } }\n\t.rewards-infobox .deals-step { display:flex; align-items: baseline; gap:4px; }\n\t.rewards-infobox .deals-step-num { background:#FFD23B; color:#000; display:inline-flex; align-items:center; justify-content:center; font-weight:bold; font-style: italic; border-radius:2px; font-size:12px; margin-top:2px; line-height: 12px; padding-top: 2px; min-width: 11px; }\n\t.rewards-infobox .deals-step-text { color:#fff; font-size:12px; line-height:16px; font-weight: bold; }\n\t.rewards-infobox .deals-disclaimer { color:#E8EEFF; font-size:12px; margin-top: 4px; width: fit-content; }\n\t.rewards-infobox .deals-disclaimer a { color:#BFD0FF; text-decoration: underline; font-size: 12px; }\n\t.rewards-infobox .rewards-end-date { font-size: 12px; }\n\t\n\t\t.rewards-infobox .deals-countdown {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tmargin-top: 8px;\n\t\tflex-wrap: wrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__label {\n\t\tcolor: #fff;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\tpadding-right: 6px;\n\t\twhite-space: nowrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__timer {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tgap: 4px;\n\t}\n\n\t.rewards-infobox .deals-countdown__unit {\n\t\tdisplay: inline-flex;\n\t\talign-items: center;\n\t}\n\n\t.rewards-infobox .deals-countdown__value {\n\t\tbackground: #FFD238;\n\t\tcolor: #000;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\ttext-align: center;\n\t\tfont-style: italic;\n\t\tmin-width: 24px;\n\t\tmin-height: 14px;\n\t\tline-height: 100%;\n\t\tletter-spacing: -0.025em;\n\t\tfont-feature-settings: 'tnum' on, 'lnum' on;\n\t\tpadding: 2px;\n\t}\n\n\t.rewards-infobox .deals-countdown__separator {\n\t\tcolor: #fff;\n\t\tfont-size: 16px;\n\t\tfont-weight: 600;\n\t}\n\n\t@media (max-width: 600px) {\n\t\t.rewards-infobox .deals-countdown__value {\n\t\t\tpadding: 2px;\n\t\t}\n\t}\n\n\t\ttd.comparison-table__feature--longtext div.comparison-table__cellWrapper { width: 100%; }\n\n\t\t@media (max-width: 600px) {\n\t\t.reward-col-order-3 { grid-row: 3 !important; }\n\t\t.reward-col-order-4 { grid-row: 4 !important; }\n\t\t.reward-col-order-5 { grid-row: 5 !important; }\n\t\t.reward-col-order-6 { grid-row: 6 !important; }\n\t\t.reward-col-order-7 { grid-row: 7 !important; }\n\t\t.reward-col-order-8 { grid-row: 8 !important; }\n\t\t.reward-col-order-neg-3 { grid-row: -3 !important; }\n\t\t.reward-col-order-neg-4 { grid-row: -4 !important; }\n\t\t.reward-col-order-neg-5 { grid-row: -5 !important; }\n\t\t.reward-col-order-neg-6 { grid-row: -6 !important; }\n\t\t.reward-col-order-neg-7 { grid-row: -7 !important; }\n\t\t.reward-col-order-neg-8 { grid-row: -8 !important; }\n\t}\n<\/style><style>\n  \/* Gold gradient on minimal UX reward rows (desktop only) *\/\n  @media (min-width: 601px) {\n    tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] {\n      background: linear-gradient(45deg, rgba(255, 210, 59, 0) 76%, rgba(255, 210, 59, 0.5) 100%), #fff;\n      background-repeat: no-repeat;\n      background-size: 50% 50%;\n      background-position: top right;\n    }\n  }\n\n  tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] > td.comparison-table__cta {\n    gap: 4px;\n    margin-top: 0 !important;\n  }\n\n  \/* Pill wrapper centered in CTA cell (td is display:grid with 3 columns) *\/\n  .rewards-pill-wrapper {\n    z-index: 3;\n    align-self: flex-end;\n    justify-self: flex-end;\n\n    @media (max-width: 600px) {\n      grid-column: 1 \/ -1;\n      text-align: center;\n      justify-self: unset;\n    }\n  }\n\n  \/* &#9472;&#9472; Base pill styles (original compact design) &#9472;&#9472; *\/\n  .rewards-pill {\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n    border: 1px solid #E6B40F;\n    border-radius: 4px 20px 20px 20px;\n    padding: 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{\n    width: 44px;\n    height: 27.75px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 55%;\n    left: 3%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n<\/style><tr class=\"best-card__attached-row\"><td><h3 id=\"best-all-rounder-for-overseas-spending\" class=\"best-card__header\">Best all rounder &amp; for overseas spending<\/h3><\/td><\/tr><tr data-product-id=\"b4955ee2-2df9-44fa-8c63-b0cff8078ce0\" data-provider-id=\"314efc73-4d15-4e77-9098-5db0e6ace1d5\" data-product-name=\"Starling Current Account\" data-provider-name=\"Starling\" class=\"grid-column-count-3  mobile-column-count-2 mobile-row-count-6  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/68caa9cc0084e.png\" alt=\"Starling logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/68caa9cc0084e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/68caa9cc0084e.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/68caa9cc0084e.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/68caa9cc0084e.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/68caa9cc0084e.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukfsa-cur')\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.8<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Starling Current Account<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfsa-cur.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukfsa-cur')\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.8<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                             sorter-false\" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfsa-cur.value.ukfsacur_account_fees\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Account fees\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    Interest (AER)\" data-sortvalue=\"0\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Interest (AER)\">\n                        0%\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before, .comparison-table td.comparison-table__cta br { display: none; }<\/style><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/starling-current-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFSA-CUR%22%2C%22fieldset%22%3A%22best_UKFSA-CUR_joint_bank_accounts%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22525e0a18-b93e-4ea7-b0d3-d9eb5464ae7d%22%2C%22category_name%22%3A%22Best%2Bcards%2B-%2BJoint%2Bbank%2Baccounts%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778566218%22%2C%22position%22%3A%221%22%2C%22product_name%22%3A%22Starling%2BCurrent%2BAccount%22%2C%22product_id%22%3A%22b4955ee2-2df9-44fa-8c63-b0cff8078ce0%22%2C%22offer_id%22%3A%2215691%22%2C%22post_id%22%3A%22224551%22%2C%22post_path%22%3A%22current-accounts%252Fjoint-bank-accounts%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Apply now for the Starling Current Account\">      Go to site\t<\/a><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read More About The Starling Current Account\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-b4955ee2-2df9-44fa-8c63-b0cff8078ce0\" value=\"b4955ee2-2df9-44fa-8c63-b0cff8078ce0\" name=\"productID\" _productname=\"Finder score 9.8Excellent                            Starling Current Account            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":9.8,\"badges\":[],\"productId\":\"b4955ee2-2df9-44fa-8c63-b0cff8078ce0\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-b4955ee2-2df9-44fa-8c63-b0cff8078ce0\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">Starling has no fees for spending overseas, useful budgeting features and a highly rated app - all of which combined make it our best all rounder for joint accounts. We particularly like features like its savings spaces and instant payment notifications. Couples can use the spaces to either save towards a shared goal, like a holiday, or they can use them to ringfence money for specific bills like groceries. Meanwhile, spending insights and instant payment notifications help you to see who has spent what, and where. \n<br><br>\nIf you\u2019re heading abroad, with Starling, you can both pay on card or withdraw cash abroad without being charged. It also passes on Mastercard\u2019s real exchange rates, so you can get more for your money.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__b4955ee2-2df9-44fa-8c63-b0cff8078ce0\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__b4955ee2-2df9-44fa-8c63-b0cff8078ce0\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tSplit any bill with a tap\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\t24\/7 customer support\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tBill manager &amp; instant alerts\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tSpaces to help manage your money\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tNo charge from Starling for card use abroad\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tNo branch network\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tNo interest on your current account balance\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tLimited product range compared to other banks\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><tr class=\"best-card__attached-row\"><td><h3 id=\"best-for-budgeting-tools\" class=\"best-card__header\">Best for budgeting tools<\/h3><\/td><\/tr><tr data-product-id=\"5be67640-ad1c-47c1-a0e7-3c44987b4ea2\" data-provider-id=\"d6e38f30-245c-4f36-8654-5f6a652c1ddd\" data-product-name=\"Monzo Current Account\" data-provider-name=\"Monzo\" class=\"grid-column-count-3  mobile-column-count-2 mobile-row-count-6  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/64aff909cef99.png\" alt=\"Monzo logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/64aff909cef99.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/64aff909cef99.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/64aff909cef99.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/64aff909cef99.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/64aff909cef99.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukfsa-cur')\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.3<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Monzo Current Account<\/a><\/span><div class=\"gx-badge\"><span class=\"gx-badge__body generic-badge__body hasPopover\" data-content=\"\" data-html=\"true\"><span class=\"badge-text\">Cashback<\/span><\/span><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfsa-cur.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukfsa-cur')\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.3<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                             sorter-false\" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfsa-cur.value.ukfsacur_account_fees\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Account fees\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    Interest (AER)\" data-sortvalue=\"0\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Interest (AER)\">\n                        0%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom\" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_key_benefits_mf_plain\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Incentive\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"comparison-table__product-offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><div>Monzo Instant Access Savings Pot earns you 2.75% AER interest (variable), paid monthly into the Pot you create<\/div><\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before, .comparison-table td.comparison-table__cta br { display: none; }<\/style><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/monzo-free-account-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFSA-CUR%22%2C%22fieldset%22%3A%22best_UKFSA-CUR_joint_bank_accounts%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22525e0a18-b93e-4ea7-b0d3-d9eb5464ae7d%22%2C%22category_name%22%3A%22Best%2Bcards%2B-%2BJoint%2Bbank%2Baccounts%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778566218%22%2C%22position%22%3A%222%22%2C%22product_name%22%3A%22Monzo%2BCurrent%2BAccount%22%2C%22product_id%22%3A%225be67640-ad1c-47c1-a0e7-3c44987b4ea2%22%2C%22offer_id%22%3A%2225676%22%2C%22post_id%22%3A%22224551%22%2C%22post_path%22%3A%22current-accounts%252Fjoint-bank-accounts%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Apply now for the Monzo Current Account\">      Go to site\t<\/a><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read More About The Monzo Current Account\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-5be67640-ad1c-47c1-a0e7-3c44987b4ea2\" value=\"5be67640-ad1c-47c1-a0e7-3c44987b4ea2\" name=\"productID\" _productname=\"Finder score 9.3Excellent                            Monzo Current AccountCashback            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":9.3,\"badges\":[],\"productId\":\"5be67640-ad1c-47c1-a0e7-3c44987b4ea2\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-5be67640-ad1c-47c1-a0e7-3c44987b4ea2\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">Monzo is our top choice if you\u2019re looking for a joint account to help you manage your money together. It has automatic spending categories which generate daily, weekly or monthly spending insights to help you set your budget. You\u2019ll also get instant spending notifications, plus an alert if one of your direct debits is going to be higher for the upcoming month. \n<br><br>\nWhat we really like about Monzo, though, is that, alongside your savings pots, you can also open an interest-paying instant access savings pot to save towards a joint goal.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__5be67640-ad1c-47c1-a0e7-3c44987b4ea2\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__5be67640-ad1c-47c1-a0e7-3c44987b4ea2\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEasy to set up\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tGood for budgeting and categorising spending\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tAutomatic saving feature\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tFee-free spending abroad\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tSlick app with face login\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tOverdrafts and loans available\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tFree ATM withdrawals outside the EEA limited to \u00a3200,\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\t\u00a31 fee for depositing cash at PayPoints,\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tMaximum cash deposit of \u00a31,000 every 6 months\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tNo rewards program\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><tr class=\"best-card__attached-row\"><td><h3 id=\"best-for-multiple-account-holders\" class=\"best-card__header\">Best for multiple account holders<\/h3><\/td><\/tr><tr data-product-id=\"e3adc185-e3d9-4c23-ab40-f8d67249b49f\" data-provider-id=\"8598f049-a738-47f3-b92b-7b41c9d55057\" data-product-name=\"TSB Spend &amp; Save\" data-provider-name=\"TSB\" class=\"grid-column-count-3  mobile-column-count-2 mobile-row-count-6  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/tsb-spend-save-plus-current-account-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/613a021795419.png\" alt=\"TSB logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/613a021795419.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/613a021795419.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/613a021795419.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/613a021795419.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/613a021795419.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukfsa-cur')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.2<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/tsb-spend-save-plus-current-account-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">TSB Spend &amp; Save<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfsa-cur.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukfsa-cur')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.2<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                             sorter-false\" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfsa-cur.value.ukfsacur_account_fees\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Account fees\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    Interest (AER)\" data-sortvalue=\"0\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Interest (AER)\">\n                        0%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom\" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_key_benefits_mf_plain\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Incentive\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"comparison-table__product-offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><div>Earn up to \u00a330 cashback - \u00a35 per month for 6 months, making 20 debit card payments per calendar month (excludes cash withdrawals).<\/div><\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before, .comparison-table td.comparison-table__cta br { display: none; }<\/style><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/spend-save-tsb-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFSA-CUR%22%2C%22fieldset%22%3A%22best_UKFSA-CUR_joint_bank_accounts%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22525e0a18-b93e-4ea7-b0d3-d9eb5464ae7d%22%2C%22category_name%22%3A%22Best%2Bcards%2B-%2BJoint%2Bbank%2Baccounts%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778566218%22%2C%22position%22%3A%223%22%2C%22product_name%22%3A%22TSB%2BSpend%2B%255BAMPERSAND%255D%2BSave%22%2C%22product_id%22%3A%22e3adc185-e3d9-4c23-ab40-f8d67249b49f%22%2C%22offer_id%22%3A%2223260%22%2C%22post_id%22%3A%22224551%22%2C%22post_path%22%3A%22current-accounts%252Fjoint-bank-accounts%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Apply now for the TSB Spend &amp; Save\">      Go to site\t<\/a><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/tsb-spend-save-plus-current-account-review\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read More About The TSB Spend &amp; Save\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-e3adc185-e3d9-4c23-ab40-f8d67249b49f\" value=\"e3adc185-e3d9-4c23-ab40-f8d67249b49f\" name=\"productID\" _productname=\"Finder score 8.2Great                            TSB Spend &amp; Save            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":8.2,\"badges\":[],\"productId\":\"e3adc185-e3d9-4c23-ab40-f8d67249b49f\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-e3adc185-e3d9-4c23-ab40-f8d67249b49f\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">If you\u2019re looking for a joint account for more than just 2 people, then TSB is a solid choice. Up to 5 people can open the TSB Spend &amp; Save account together. It has no monthly fee, and you\u2019ll earn \u00a35 cashback each month you make at least 20 debit card payments, for the first 6 months. It\u2019s worth noting that only one cashback payment will be added to the account, so you\u2019ll all have to share. \n<br><br>\nIf each person already has their own TSB current or savings account, you can open a joint account in the app. If not, you can pop into a branch or make a video call appointment.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__e3adc185-e3d9-4c23-ab40-f8d67249b49f\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__e3adc185-e3d9-4c23-ab40-f8d67249b49f\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEarn cashback as you spend\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tCompetitive monthly saver\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tSave the Pennies feature\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tCashback on Save and Spend account expires after six months\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tInterest charged on overdrafts\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><tr class=\"best-card__attached-row\"><td><h3 id=\"good-for-spending-together-in-app\" class=\"best-card__header\">Good for spending together in app<\/h3><\/td><\/tr><tr data-product-id=\"0e1b011e-99ac-4d72-83d0-94c3433afbc2\" data-provider-id=\"9a6f2149-3d31-4773-afb0-5e54d6ddac12\" data-product-name=\"Revolut Standard\" data-provider-name=\"Revolut\" class=\"grid-column-count-3  mobile-column-count-2 mobile-row-count-6  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/66ed2c54aa4ab.png\" alt=\"Revolut logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66ed2c54aa4ab.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66ed2c54aa4ab.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/66ed2c54aa4ab.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/66ed2c54aa4ab.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/66ed2c54aa4ab.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukfsa-cur')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.9<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Revolut Standard<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfsa-cur.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukfsa-cur')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.9<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                             sorter-false\" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfsa-cur.value.ukfsacur_account_fees\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Account fees\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    Interest (AER)\" data-sortvalue=\"0\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Interest (AER)\">\n                        0%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom\" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_key_benefits_mf_plain\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Incentive\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"comparison-table__product-offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><div>Get a \u00a320 welcome bonus when you spend your first \u00a320 (T&amp;Cs apply)<\/div><\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before, .comparison-table td.comparison-table__cta br { display: none; }<\/style><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/revolutstandard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFSA-CUR%22%2C%22fieldset%22%3A%22best_UKFSA-CUR_joint_bank_accounts%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22525e0a18-b93e-4ea7-b0d3-d9eb5464ae7d%22%2C%22category_name%22%3A%22Best%2Bcards%2B-%2BJoint%2Bbank%2Baccounts%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778566218%22%2C%22position%22%3A%224%22%2C%22product_name%22%3A%22Revolut%2BStandard%22%2C%22product_id%22%3A%220e1b011e-99ac-4d72-83d0-94c3433afbc2%22%2C%22offer_id%22%3A%2221270%22%2C%22post_id%22%3A%22224551%22%2C%22post_path%22%3A%22current-accounts%252Fjoint-bank-accounts%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta drct_mrch is-hidden\" title=\"Apply now for the Revolut Standard\">      Go to site\t<\/a><a class=\"intrnl_mrch luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" href=\"https:\/\/www.finder.com\/uk\/revolut-review#comparison-table-0000000000\">      \tSee deal\t<\/a><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read More About The Revolut Standard\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-0e1b011e-99ac-4d72-83d0-94c3433afbc2\" value=\"0e1b011e-99ac-4d72-83d0-94c3433afbc2\" name=\"productID\" _productname=\"Finder score 8.9Great                            Revolut Standard            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":8.9,\"badges\":[],\"productId\":\"0e1b011e-99ac-4d72-83d0-94c3433afbc2\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-0e1b011e-99ac-4d72-83d0-94c3433afbc2\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">Revolut is easy to set up and has lots of features which will help you to manage and spend your money together. You can have both salaries paid into Revolut and set up automatic recurring payments to your joint account. You can also choose an exclusive card design for your joint account (if you\u2019re feeling fancy) and pair virtual cards with dedicated Revolut Pockets to help you budget. \n<br><br>\nMeanwhile, if one of you has a Metal or Ultra plan, then any eligible card payments made with your joint account card will earn RevPoints - Revolut\u2019s loyalty point scheme. These can be redeemed for air miles, against Stays and Experience bookings or for a discount at any checkout with Revolut Pay.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__0e1b011e-99ac-4d72-83d0-94c3433afbc2\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__0e1b011e-99ac-4d72-83d0-94c3433afbc2\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tLow overseas fees\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tQuick sign-up\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEarn cashback on spending\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tSet budgets for financial goals\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tVirtual cards for online purchases\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEasy to transfer money internationally\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\t1% currency conversion charge on weekend spending abroad\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tFree cash withdrawals in the UK and abroad both limited to \u00a3200 per month\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tCannot deposit cash or cheques into the account\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tCharged a fee to receive your bank card\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><script>\n(function () {\n  window.isInfoBoxMutationObserverInitialized ??= false;\n  if (window.isInfoBoxMutationObserverInitialized) return;\n  window.isInfoBoxMutationObserverInitialized = true;\n\n  document.addEventListener(\"DOMContentLoaded\", () => {\n    function getLinkParams(anchor) {\n      const redirectUrl =\n        anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n\n      try {\n        const url = new URL(redirectUrl);\n        const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n\n        if (!rawParams) return;\n        const decoded = decodeURIComponent(rawParams);\n        const parsed = JSON.parse(decoded);\n        const { offer_id, niche_code, site, product_name, product_id } = parsed;\n\n        return {\n          redirectUrl,\n          offerId: offer_id,\n          niche: niche_code || site,\n          productName: product_name,\n          productId: product_id,\n        };\n      } catch (e) {\n        console.error(\"Failed to parse redirect_tracking_params\", e);\n      }\n    }\n\n    function initCountdownTimer(rewardsProduct, endDateStr) {\n      const countdownEl = rewardsProduct.querySelector(\".deals-countdown\");\n      \n      if (!countdownEl || !endDateStr) return;\n\n      const daysEl = countdownEl.querySelector(\"[data-countdown-days]\");\n      const hoursEl = countdownEl.querySelector(\"[data-countdown-hours]\");\n      const minutesEl = countdownEl.querySelector(\"[data-countdown-minutes]\");\n      const secondsEl = countdownEl.querySelector(\"[data-countdown-seconds]\");\n\n      let countdownInterval;\n\n      const updateCountdown = () => {\n        const now = new Date().getTime();\n        const endTime = new Date(endDateStr).getTime();\n        const distance = endTime - 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For example, if a bank account had no fees for transactions like direct debits, card purchases, deposits and withdrawals, it would score 5 out of 5. To calculate our Finder rating, we averaged out all these scores and rounded them to the nearest half star. <\/p><p>You\u2019ll also see accounts we picked as being outstanding in certain categories, such as the best bank account for overseas spending or the best bank account for payment features. What you need from a bank account is personal, so these picks are just a guide to help you with your decision. <\/p><\/div><\/div><\/div><\/article><h3>What\u2019s a joint bank account?<\/h3><p>A joint bank account is a current account held by more than one person at the same time. The limit is usually two, although there are some banks that <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/more-than-two-joint-holders\">allow more people to open an account together<\/a>.<\/p><p>There are multiple reasons for opening a joint account, but basically, it can be a good idea when you already share some kind of money commitment with someone else: for example, if you have to pay the rent, the bills or a mortgage together.<\/p><p>A joint bank account works just like a regular current account. Standard features include a debit card, online and app-based banking, direct debits, standing orders and an overdraft facility. There are also <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/joint-business-bank-accounts\">joint business bank accounts<\/a> to help with running a business.<\/p><h3>How to open a joint bank account<\/h3><p>These days, most banks allow you to apply for a joint current account online. Both of you will need to provide your personal details and to have your identity verified. Depending on the bank you\u2019re applying with and whether you\u2019re also requesting an overdraft, you may also have to go through a credit check.<\/p><p>In some cases, once you\u2019ve completed the application form, you may be asked to pop into a branch and provide some form of proof of identity and proof of address. That\u2019s usually when the bank is unable to verify your identity online.<\/p><p>The functioning of a joint account is governed by a document (generally referred to as a \u201cmandate\u201d) that details who can do what with the account. Both account holders will have to sign it.<\/p><p>Once the account is open, you\u2019ll be able to register for online banking, download the app and fund the account. You should also receive your debit card and PIN within a few days.<\/p><p>From time to time banks offer switching bonuses if you close down your old account and switch to a new one. This also applies to joint accounts. Learn more about the <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switching-deals\">latest switching deals<\/a> and which banks are offering them.<article class=\"luna-card luna-card--alt\">\n<div class=\"luna-card__block\">\n<h4>Current switching deals<\/h4>\nBelow we have listed the latest switching deals on the market. This list is checked regularly and was last updated on 30 April 2026.\n<ul>\n<li>Santander \u2013 Everyday &amp; Edge accounts - \u00a3200 switch bonus<\/li>\n<li>Barclays \u2013 Bank account \u2013 Get \u00a3200<\/li>\n<li>first direct \u2013 1st account \u2013 Get up to \u00a3175<\/li>\n\n<\/ul>\n\nFor more information about how to switch, head over to our <a href=\"https:\/\/www.finder.com\/uk\/best-bank-switching-deals\">switching deals guide<\/a>. \n<\/div>\n<\/article><\/p><h3 id=\"jointlist\">Joint bank accounts compared<\/h3>\n<table class=\"luna-table luna-table--responsiveList js-tablesorter tablesorter tablesorter-default\">\n  <thead class=\"luna-table__header\">\n  <tr class=\"tablesorter-headerRow\">\n    <th scope=\"col\"><button class=\"luna-table__sortBy\" type=\"button\">Banking brand<\/button><\/th>\n    <th scope=\"col\"><button class=\"luna-table__sortBy\" type=\"button\">Account name<\/button><\/th>\n    <th scope=\"col\"><button class=\"luna-table__sortBy\" type=\"button\">Max no. of account holders<\/button><\/th>\n    <th scope=\"col\"><button class=\"luna-table__sortBy\" type=\"button\">Can you convert a sole to a joint account?<\/button><\/th>\n    <th scope=\"col\"><\/th>\n  <\/tr>\n  <\/thead>\n  <tbody>\n    \n   <tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/tsb-current-accounts\">TSB<\/a><\/td><td>Spend &amp; Save<\/td><td>5<\/td><td>Yes<\/td><td><a class=\"luna-button luna-button--action luna-button--fluid\" title=\"See product details\" href=\"https:\/\/www.finder.com\/uk\/current-accounts?filters_preset=320fd407a4938822bfa5fd06324116f62119dac23f708e9ebb6f59f4fd215f4e#comparison-table-0000000001\">See account<\/a><\/td><\/tr>\n      <tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/barclays-current-accounts\">Barclays<\/a><\/td><td>Barclays Bank Account<\/td><td>4<\/td><td>Yes<\/td><td><a class=\"luna-button luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/barclays-bank-account-review\" type=\"button\"> Read our review<\/a><\/td><\/tr>\n\n    <tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/metro-bank-current-accounts\">Metro Bank<\/a><\/td><td>Current Account<\/td><td>4<\/td><td>Yes<\/td><td><a class=\"luna-button luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/metro-bank-current-accounts\" type=\"button\"> Read our review<\/a><\/td><\/tr>\n      <tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/coop-current-accounts\">Co-operative Bank<\/a><\/td><td>Current Account<\/td><td>3<\/td><td>Yes<\/td><td><a class=\"luna-button luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/coop-current-accounts\" type=\"button\"> Read our review<\/a><\/td><\/tr>\n  <tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/bank-of-scotland-current-accounts\">Bank of Scotland<\/a><\/td><td>Classic Account<\/td><td>2<\/td><td>Yes<\/td><td><a class=\"luna-button luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/bank-of-scotland-classic-current-account-review\" type=\"button\"> Read our review<\/a><\/td><\/tr>\n  <tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts\">First Direct<\/a><\/td><td>1st Account<\/td><td>2<\/td><td>Yes<\/td><td><a class=\"luna-button luna-button--action luna-button--fluid\" title=\"See product details\" href=\"https:\/\/www.finder.com\/uk\/current-accounts?filters_preset=5e0824a2a875d2fbf3a1200c76413ca00d0c271f35547a78567623c8a0dd0ae5#comparison-table-0000000001\">See account<\/a><\/td><\/tr>\n  <tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/halifax-current-accounts\">Halifax<\/a><\/td><td>Current Account<\/td><td>2<\/td><td>Yes<\/td><td><a class=\"luna-button luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/halifax-current-accounts\" type=\"button\"> Read our review<\/a><\/td><\/tr>\n<tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/hsbc-current-accounts\">HSBC<\/a><\/td><td>Advance Bank Account<\/td><td>6<\/td><td>Yes<\/td><td><a class=\"luna-button luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/hsbc-current-accounts\" type=\"button\"> Read our review<\/a><\/td><\/tr>\n  <tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/lloyds-current-accounts\">Lloyds Bank<\/a><\/td><td>Classic Account<\/td><td>2<\/td><td>Yes<\/td><td><a class=\"luna-button luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/lloyds-classic-current-account-review\" type=\"button\"> Read our review<\/a><\/td><\/tr>\n  <tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\">Monzo<\/a><\/td><td>Current account<\/td><td>2<\/td><td>N\/A<\/td><td><a target=\"_blank\" rel=\"nofollow\" class=\"luna-button luna-button--success luna-button--fluid\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/monzo-free-account-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%225be67640-ad1c-47c1-a0e7-3c44987b4ea2%22%2C%22product_name%22%3A%22Monzo%2BCurrent%2BAccount%22%2C%22offer_id%22%3A%2225676%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_AWARDS_TABLE_BUTTON%22%2C%22niche_code%22%3A%22UKFSA-CUR%22%2C%22post_id%22%3A%22224551%22%2C%22post_path%22%3A%22current-accounts%252Fjoint-bank-accounts%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A543110%2C%22name%22%3A%22ukfsa_jointbankresearch%22%2C%22country%22%3A%22uk%22%7D%7D\" type=\"button\"> Visit Monzo <\/a><\/td><\/tr>\n  <tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/nationwide-current-accounts\">Nationwide Building Society<\/a><\/td><td>FlexDirect Current Account<\/td><td>2<\/td><td>Yes<\/td><td><a class=\"luna-button luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/nationwide-flexdirect-current-account-review\" type=\"button\"> Read our review<\/a><\/td><\/tr>\n  <tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/natwest-current-accounts\">NatWest<\/a><\/td><td>NatWest Select<\/td><td>2<\/td><td>Yes<\/td><td><a class=\"luna-button luna-button--action luna-button--fluid\" title=\"See product details\" href=\"https:\/\/www.finder.com\/uk\/current-accounts?filters_preset=078e5a18dd18fb3f7204bf5707a9742845a8977a0cf48ad20dc73c8d48c5e944#comparison-table-0000000001\">See account<\/a><\/td><\/tr>\n  <tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\">Revolut<\/a><\/td><td>Standard account<\/td><td>2<\/td><td>N\/A<\/td><td><a class=\"luna-button luna-button--action luna-button--fluid\" title=\"See product details\" href=\"https:\/\/www.finder.com\/uk\/revolut-review#comparison-table-0000000000\">See account<\/a><\/td><\/tr>\n  <tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/rbs-current-accounts\">Royal Bank of Scotland<\/a><\/td><td>Royal Bank Select<\/td><td>2<\/td><td>Yes<\/td><td><a class=\"luna-button luna-button--action luna-button--fluid\" title=\"See product details\" href=\"https:\/\/www.finder.com\/uk\/current-accounts?filters_preset=a8ad22fbef903b99f6ea1c56acfad7cff7b172c7b22e769760997847a631d15c#0000000002\">See account<\/a><\/td><\/tr>\n<tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/santander-current-accounts\">Santander<\/a><\/td><td>Everyday current account<\/td><td>2<\/td><td>Yes<\/td><td><a target=\"_blank\" rel=\"nofollow\" class=\"luna-button luna-button--success luna-button--fluid\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/santander-everyday-current-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%226fe88616-c486-4cdc-b313-cc71bd00ae80%22%2C%22product_name%22%3A%22Santander%2BEveryday%2BCurrent%2BAccount%22%2C%22offer_id%22%3A%2215709%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_AWARDS_TABLE_BUTTON%22%2C%22niche_code%22%3A%22UKFSA-CUR%22%2C%22post_id%22%3A%22224551%22%2C%22post_path%22%3A%22current-accounts%252Fjoint-bank-accounts%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A543110%2C%22name%22%3A%22ukfsa_jointbankresearch%22%2C%22country%22%3A%22uk%22%7D%7D\" type=\"button\"> Visit Santander <\/a><\/td><\/tr>\n  <tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\">Starling Bank<\/a><\/td><td>Starling Personal<\/td><td>2<\/td><td>No<\/td><td><a class=\"luna-button luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\" type=\"button\"> Read our review<\/a><\/td><\/tr>\n<tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/triodos-bank-current-accounts-review\">Triodos Bank<\/a><\/td><td>Current account<\/td><td>2<\/td><td>Yes<\/td><td><a class=\"luna-button luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/triodos-bank-current-accounts-review\" type=\"button\"> Read our review<\/a><\/td><\/tr>\n<tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/ulster-bank-current-accounts-review\">Ulster Money<\/a><\/td><td>Select account<\/td><td>2<\/td><td>Yes<\/td><td><a class=\"luna-button luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/ulster-bank-current-accounts-review\" type=\"button\"> Read our review<\/a><\/td><\/tr>\n  <tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/virgin-money-current-account-review\">Virgin Money<\/a><\/td><td>M Plus Account (Age 16-17)<\/td><td>2<\/td><td>No<\/td><td><a class=\"luna-button luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/virgin-money-current-account-review\" type=\"button\"> Read our review<\/a><\/td><\/tr>\n<tr><td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/chase-digital-bank-review\">Chase Bank<\/a><\/td><td>Current Account<\/td><td>1<\/td><td>N\/A<\/td><td><a class=\"luna-button luna-button--action luna-button--fluid\" title=\"See product details\" href=\"https:\/\/www.finder.com\/uk\/current-accounts?filters_preset=4e95f18f6c8d6e4f20d890c814d3a20b6a594a814661ef9d7f3771b850bdb7c0#comparison-table-0000000001\">See account<\/a><\/td><\/tr>\n  <\/tbody>\n  <\/table>\nTo compile the information in the above table, we checked each banking brand's website and terms and conditions, and also contacted the providers' press teams where necessary. The data in this table was last checked and verified on 8 April 2026.\n<h3>Risks of a joint bank account<\/h3><p>The reason why sharing a current account is such a big commitment is that both people have the same right to access the money in it. As a consequence, once you fund the account, you\u2019re relinquishing control over your money and sharing it with another person. Doing this entails two sets of risks:<\/p><ul><li><strong>The other person may not stick to their end of the agreement and spend the money for themselves.<\/strong> You really need to trust the person you\u2019re opening a joint account with. They\u2019ll be able to spend the money how they wish; if they used the money for something you hadn\u2019t agreed on, you wouldn\u2019t be able to get it back. Things get even trickier if your account has an overdraft facility because both account holders are liable for the debt, even if the money was spent by one of them without the other person\u2019s consent.<\/li><li><strong>Your ability to get credit could be impacted.<\/strong> A joint account creates a financial association between two people, and lenders will often consider both individuals\u2019 credit histories. This means if one of you has poor credit, it could affect the other person\u2019s ability to borrow money in the future.<\/li><\/ul><p>For these reasons, you should only open a joint account with someone who you trust completely and with whom you share a similar money management style. It\u2019s also a good idea to have a conversation at the very beginning on how much you\u2019re going to pay into the account and what you\u2019re going to use the money for.<\/p><h3>What to do in a dispute with another account holder<\/h3><p>If things go wrong and you have a disagreement with your other account holder(s), then the first step you may want to consider is to cancel the account\u2019s \u201cmandate\u201d, the document that details who can do what with the account. By doing this you freeze the account, which means that none of the account holders (including you) can withdraw the money.<\/p><p>This should give you time and space to resolve the dispute. Your bank or building society will only unlock the account once you convince it that you have agreed on how to split the money.<\/p><p>Sadly, if you can\u2019t come to an agreement about how to split the money in the account, your only remaining option is to take legal action through the courts, which is likely to be expensive and messy.<\/p><h3>How does income tax work with a joint account?<\/h3><p>The introduction of the Personal Savings Allowance (PSA) in April 2016 means that basic rate taxpayers can earn \u00a31,000 in savings interest per year without paying tax. Higher rate taxpayers can earn \u00a3500 in savings interest per year before paying tax, while additional rate taxpayers do not get a PSA.<\/p><p>The PSA covers interest earned in bank accounts, savings accounts, and bonds. With joint accounts, the interest is usually split equally between both account holders and goes towards each account holder\u2019s respective allowance.<\/p><h3>How to choose a joint bank account<\/h3><p>To help you find the best joint bank account, you\u2019ll need to work out what\u2019s most important to you. For example, if you are planning to use your account to pay household bills, you might want to look for one that pays cashback on those bills. Or you might want an account that pays interest on your balance.<\/p><p>You will also need to consider whether you\u2019re likely to need an overdraft. If so, you\u2019ll want an account that charges a low rate of interest or offers an interest-free overdraft buffer.<\/p><p>If a few of you are planning to open a joint account, check the maximum number of account holders permitted \u2013 this is usually between two and four people. You might also want to check whether all account holders need to authorise transactions, or whether just one of you can.<\/p><h3>Joint bank accounts and \u201cmental incapacity\u201d<\/h3><p>If one account holder loses mental capacity, providers in England and Wales can choose to temporarily freeze a joint account. This would involve blocking debit cards, withdrawals, online banking and direct debits.<\/p><p>One way around this is to appoint a power of attorney in advance, which allows someone else to make decisions on your behalf should you lose your mental capacity. If you lose your mental capacity before being able to do this, a deputy must be appointed by the Court of Protection. This can take several months and it can be expensive.<\/p><p>In Scotland, banks must allow the other account holders to continue to use the account under the Incapacity Scotland Act, so long as it was set up on an either-to-sign basis.<\/p><p>In Northern Ireland the process will vary depending on the provider.<\/p><h3>How to close a joint bank account<\/h3><p>What happens if you break up as a couple, or if you move out and don\u2019t need an account with your flatmate anymore? Well, as long as you both agree on this, there\u2019s nothing to worry about. You can split the money left in the account, move it back to your individual current accounts and then close the joint account.<\/p><p>In order to do so, you\u2019ll usually need to visit a branch together and bring your debit card and proof of identity.<\/p><p>If you disagree on how to split the money, you can get in touch with the bank to cancel the mandate. The bank will then freeze the account until all the parties involved reach an agreement.<\/p><h3>Pros and cons<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Makes it easier to split payments (for example, for the bills or the rent).<\/li>\n                                    <li>Helps with budgeting and saving \u2013 you can both commit to paying a portion of your salary into the account and then use it for, say, a holiday.<\/li>\n                                    <li>You can see the full picture of your finances, all in the same place.<\/li>\n                                    <li>If you open a packaged account that comes with perks such as insurance, you might both be able to benefit for one monthly fee.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>You really need to trust the person you're opening the account with, as you could become responsible for their debt.<\/li>\n                                    <li>If the other person has bad credit, this could affect your own ability to get credit in the future.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Bottom line<\/h3><p>A joint bank account is a good idea if you need your funds or savings to co-exist with someone else. So long as you find the right bank, trust the other person\u2019s financial commitments, set out some ground rules and are aware of the potential impact it could have on your ability to borrow money, it should be smooth sailing.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Are deposits on joint bank accounts protected?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>They usually are, as long as you\u2019re dealing with a fully licensed bank (it\u2019s worth double-checking). <\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Who owns the money in a joint bank account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Both the account holders do. That\u2019s why you need to think carefully before opening one.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Can you have a joint bank account if you are not married?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, you can open a joint account with your partner even if you aren\u2019t married. You can even open one with a friend if you like.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">How do I remove a joint holder from the account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You will usually need to put your request in writing (some providers have a form you can fill out) and all account holders must sign the request. In some cases, you may also need to provide ID.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Does a joint account come with any financial protection?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>A joint bank account comes with the same protection as any other bank account. Provided the account is with an authorised UK bank or building society, your money will be protected by the Financial Services Compensation Scheme (FSCS). <\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">What happens to a joint bank account when someone dies? <\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>When one account holder dies, the money in the account usually passes automatically to the surviving account holder. This means they will still be able to access the funds without the need for probate. The bank may ask for the death certificate to be able to transfer the money to the surviving account holder.<\/p><p>In Scotland, the deceased person\u2019s share of funds won\u2019t automatically pass on to the surviving account holder, but the bank may agree to let them continue to operate the account.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000003\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000003\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>\n\n\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Ready to take the plunge and open a joint current account with your other half? Learn how they work, how to open one and what happens if you split up.<\/p>\n","protected":false},"author":1329,"featured_media":224623,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3763],"tags":[],"asset_tag":[],"class_list":["post-224551","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-current-accounts"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best joint bank accounts in the UK for couples 2026<\/title>\n<meta name=\"description\" content=\"Compare a range of current accounts that can be opened by two or more applicants. 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