{"id":333154,"date":"2019-04-18T16:45:53","date_gmt":"2019-04-18T20:45:53","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=333154"},"modified":"2026-04-08T10:32:36","modified_gmt":"2026-04-08T09:32:36","slug":"more-than-two-joint-holders","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/joint-bank-accounts\/more-than-two-joint-holders","title":{"rendered":"Compare joint bank accounts for 3, 4 and more people"},"content":{"rendered":"<p>Need a bank account for a bigger crew? Find out which banks say yes to extra account holders, and what you need to know before opening a joint account. <\/p><p>This comparison is for personal accounts \u2013 we also have a <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/joint-business-bank-accounts\">joint business bank accounts<\/a> guide.<\/p><div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n  <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n  <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n  <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n  <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li><strong>Step 1.<\/strong> <a href=\"#jointlist\">Use our comparison table below<\/a> to find a suitable joint account.<\/li>\n          <li><strong>Step 2.<\/strong> Choose a bank account, and have each applicant open an individual account online.<\/li>\n          <li><strong>Step 3.<\/strong> Visit your local branch together with the other account holders, bringing your ID and account details. Ask the bank to link your accounts into a joint account.<\/li>\n          <li><strong>Tip.<\/strong> When you convert to a joint account, all parties have equal access to the funds and are equally responsible for any activity or liabilities tied to the account, such as overdrafts.<\/li>\n          <li><strong>Tip.<\/strong> Each bank has its own policies regarding joint accounts and may have different processes or requirements.<\/li>\n      <\/ul>\n\n  \n  <\/div>\n<div id=\"tsb-spend-and-save\">   \n\n\n\n\n\n\n\n\n\n\n\n\n\n                                                                                                    \n\n                \n    \n\n\n\n\n\n\n\n\n\n\n\n\n\n<style>\n.best-hero .hotstats .product_infobox tr { display: flex; flex-direction: column; flex-basis: 0; flex-grow: 1; }\n.best-hero .hotstats .product_infobox th { border-bottom: 0px; width: 100%; padding-left: 0px; padding-bottom: 4px; font-size: 14px; }\n.best-hero .hotstats .product_infobox td { border-bottom: 0px; width: 100%; padding-left: 0px; padding-top: 0px;  }\n.best-hero .hotstats .product_infobox td svg.luna-icon--medium { height: 24px; width: 24px; }\n.best-hero .luna-button--success { white-space: normal; line-height: 1.2; }\n@media only screen and (max-width: 600px) {\n.best-hero .hotstats .product_infobox tbody { display: flex; }\n.best-hero .hotstats .product_infobox th { text-align: center; line-height: 16px !important; padding-left: 3px; padding-right: 3px; }\n.best-hero .hotstats .product_infobox td { flex-grow: 1; align-content: center; text-align: center; line-height: 20px !important; padding-left: 3px; padding-right: 3px;  }\n.best-hero .hotstats .product_infobox tr:first-of-type td, .best-hero .hotstats .product_infobox tr:first-of-type th { padding-left: 0px !important; }\n.best-hero .hotstats .product_infobox tr:last-of-type td, .best-hero .hotstats .product_infobox tr:last-of-type th { padding-right: 0px !important; }\n}\n<\/style><div class=\"best-hero\" id=\"best-hero-e3adc185e3d94c23ab40f8d67249b49f\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block no-padding-top no-padding-right no-padding-bottom no-padding-left\"><div class=\"u-grid u-grid--gutterCollapse\"><div class=\"u-grid__col u-3\/4@m u-2\/3@s\"><div class=\"has-padding-small\"><div class=\"u-grid u-grid--alignMiddle has-padding-bottom-xsmall\"><div class=\"u-grid__col u-1\/3 u-1\/4@m u-1\/5@l\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5dc331ef02f0e.png\" width=\"140\" height=\"88\" alt=\"TSB Spend &amp; Save\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5dc331ef02f0e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5dc331ef02f0e.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5dc331ef02f0e.png?fit=420 420w\" sizes=\"(max-width: 420px) 28vw, 420px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-3\/4@m u-2\/3\"><p class=\"no-margin-bottom u-font--bold\" style=\"font-size: 22px; line-height: 27px;\">\nTSB Spend &amp; Save<\/p><span class=\"alignleft\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><span class=\"scoreCombined score__container finder-score\" style=\"justify-content: center;\"><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 persist\" style=\"display: flex;\">\nGreat\n<\/span><\/span><\/span><\/div><\/div><div class=\"is-hidden@s has-margin-bottom-small hotstats\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div><a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/current-accounts?filters_preset=320fd407a4938822bfa5fd06324116f62119dac23f708e9ebb6f59f4fd215f4e\">see deal<\/a><a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/tsb-spend-save-plus-current-account-review\">Read review<\/a><\/div><div class=\"u-color--blue-700 weight-semi-bold u-rounded--sm has-margin-bottom-small\" style=\"font-size: 16px; padding: 0.425em 0.6em 0.5em 0.6em; line-height: 22px; background-color: rgb(240 247 255);\"><svg class=\"luna-icon refreshedMasthead__icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" preserveaspectratio=\"none\" viewbox=\"0 0 24 24\" style=\"height: 18px; width: 18px; margin-top: 2px;\"><path d=\"M0 0h24v24H0z\" fill=\"none\"><\/path><path d=\"M21.41 11.58l-9-9C12.05 2.22 11.55 2 11 2H4c-1.1 0-2 .9-2 2v7c0 .55.22 1.05.59 1.42l9 9c.36.36.86.58 1.41.58.55 0 1.05-.22 1.41-.59l7-7c.37-.36.59-.86.59-1.41 0-.55-.23-1.06-.59-1.42zM5.5 7C4.67 7 4 6.33 4 5.5S4.67 4 5.5 4 7 4.67 7 5.5 6.33 7 5.5 7z\" fill=\"#002ebf\"><\/path><\/svg> Earn up to \u00a330 cashback - \u00a35 per month for 6 months, making 20 debit card payments per calendar month (excludes cash withdrawals).<\/div><p>Up to 5 people can open the TSB Spend and Save account together. The account 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's worth noting that only one cashback payment will be added to the account, so you'll all have to share. You can also set money aside in different savings pots which can be useful for household budgeting, plus the Save the Pennies feature rounds up all debit card payments to the nearest \u00a31 and transfers the difference into your savings. You\u2019ll also have the option of an overdraft. Accounts can be opened in just 15 minutes and managed online, via mobile banking or over the phone.<\/p><p>Representative example: If you use an arranged overdraft of \u00a31,200, you'll be charged interest at 39.9% EAR variable.<\/p>\n\n\n  <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\">Pros and cons<\/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\">    <div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Pros<\/p><ul class=\"list-4\"><li>Earn cashback as you spend<\/li><li>Competitive monthly saver<\/li><li>Save the Pennies feature<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Cons<\/p><ul class=\"list-13\"><li>Cashback on Save and Spend account expires after six months<\/li><li>Interest charged on overdrafts<\/li><\/ul><\/div><\/div>    <\/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\">More details<\/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\">    <div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage\" class=\"UKFSA-CUR bestpage \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Minimum operating balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Switch service guarantee<\/th><td class=\"i_infobox_data product_infobox_data\">Yes<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Overseas card transactions<\/th><td class=\"i_infobox_data product_infobox_data\">Europe: 2.99%<br>Elsewhere: 2.99% plus flat fee of \u00a31<br><span class=\"table-popover\" rel=\"popover\" data-content=\"A currency fee of 2.99% applies to debit card transactions in a foreign currency outside the UK. An additional fee of \u00a31 also applies outside Europe. \" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/td><\/tr><\/tbody><\/table><\/div>    <\/div>\n  <\/div>\n<\/li>  <\/ul>\n\n\n\n<\/div><\/div><div class=\"u-grid__col u-1\/4@m u-1\/3@s box no-margin-bottom is-hidden is-visible@s\"><div class=\"has-padding-small\"><div class=\"hotstats has-margin-bottom-small\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div><\/div><a class=\"luna-button luna-button--success luna-button--fluid has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/current-accounts?filters_preset=320fd407a4938822bfa5fd06324116f62119dac23f708e9ebb6f59f4fd215f4e\">see deal<\/a><a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/tsb-spend-save-plus-current-account-review\">Read review<\/a><\/div><\/div><\/div><\/div><\/article><\/div><\/div><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%22333154%22%2C%22post_path%22%3A%22current-accounts%252Fjoint-bank-accounts%252Fmore-than-two-joint-holders%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%22333154%22%2C%22post_path%22%3A%22current-accounts%252Fjoint-bank-accounts%252Fmore-than-two-joint-holders%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>How many people can have a joint bank account together?<\/h3><p>Despite most banks having a maximum allowance of 2 joint holders when opening a bank account, there are several banks and accounts that allow more joint names on the account. You can open a joint bank account with 2, 3, 4, 5 or more people depending on the bank. No matter how many joint owners, each person can deposit and withdraw funds. <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/hsbc-current-accounts\">HSBC\u2019s Advance Bank Account<\/a> allows up to 6 account holders, while <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/tsb-current-accounts\">TSB\u2019s Spend and Save account<\/a> offers up to 5 account holders. Other banks also provide features such as additional cardholders and account supervisors, which we explain below.<\/p><h4>Additional cardholders<\/h4><p>When conducting our research, we discovered that 2 of the above providers also enable you to add additional cardholders to your account. These cardholders are not joint account holders and won\u2019t have full access to the account. The money in the account doesn\u2019t belong to them (as it would with a joint account) and the account will only be in your name.<\/p><p>For example, <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\">Starling Bank<\/a> has a Connected card that you can give to a friend, family member or carer so they can buy whatever you need on your behalf. The money will come out of a designated Space in your bank account which means the additional cardholder won\u2019t be able to access your whole account. Nor can they check the balance, withdraw cash or shop online. <\/p><p>Meanwhile, <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/barclays-current-accounts\">Barclays<\/a> lets you give up to 4 extra debit cards to other people which enable them to spend from your account. The additional cardholders can use their card for spending in shops, over the phone and online, as well as for cash withdrawals. But you can set spending limits and control the cards at all times. You can set up this service through the app, but the cardholders must already bank with Barclays.<\/p><p>Having an extra cardholder could be ideal if you have a carer who needs to shop on your behalf or if you were ill and needed a friend to buy essentials for you. It means someone else can still access the funds in your account, and you can stay in control of what is spent where. <\/p><p>Note that this is different to setting up a third party mandate which is a formal instruction from you to your bank or building society informing them that you want someone else to carry out everyday banking transactions on your behalf. <\/p><h4>Account supervisors<\/h4><p>Barclays also offers something known as an account supervisor. This works in a similar way to an additional cardholder, but you can give your friend or family member extra access to your account. This means they can see your balance as well as transactions, and you can choose to let them set controls on your debit card if you wish to. <\/p><p>This can be a good option if you are concerned about scams or need help controlling your spending. Your friend or family member can help you manage your banking without the need to hand over full control of your account.<\/p><h3>How do I compare accounts that allow multiple joint account holders?<\/h3><p>If you want to open an account with other people, consider the following when comparing your options:<\/p><ul><li><strong>Account maintenance fees.<\/strong> Look for an account with low or no monthly account fees.<\/li><li><strong>Transaction limits and fees.<\/strong> With several people accessing the account, there may be a lot more transactions than with a single account. Make sure you\u2019re not charged any unnecessary transaction fees.<\/li><li><strong>ATM withdrawal fees.<\/strong> Look for an account that offers fee-free ATM withdrawals, so you\u2019re not hit with a fee each time one of the account holders withdraws some cash.<\/li><li><strong>Easy online access.<\/strong> Check the account is easily accessible for everyone on the account, for example with an easy-to-use mobile banking app.<\/li><li><strong>Number of linked debit cards.<\/strong> If more than 2 people need a linked debit card, make sure you\u2019re not charged extra fees for the additional ones.<\/li><\/ul><h3>Pros and cons of having a joint account with multiple people<\/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><b>Easy money management.<\/b> If you share a lot of expenses with a number of people, it can be easier if you all have access to the one bank account to manage them.<\/li>\n                                    <li><b>Transparent.<\/b> Because you can all access the account online it's easy to see who's transferring or withdrawing money and for what.<\/li>\n                                    <li><b>Accessible in an emergency.<\/b> With more than 2 joint holders, the account is accessible even if one of the account holders is unavailable.<\/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><b>Less secure.<\/b> Other account holders can withdraw money without your consent.<\/li>\n                                    <li><b>Difficult to manage.<\/b> With multiple individuals making deposits and withdrawals into your account you may find it difficult to keep track of the balance.<\/li>\n                                    <li><b>May impact your credit history.<\/b> Opening a joint bank account can sometimes affect your ability to get credit, as the credit records of those you'll be linked to via the joint account will be accessible to potential future lenders. If the people you're opening the account with have had problems with repayments in the past, this can impact your creditworthiness.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>How to open a mutiple-holder bank account<\/h3><p>When you\u2019ve selected an account from the table above, click \u201cGo to site\u201d to check that the account allows the number of people you want to share it with, then complete the online application process. Each account holder will need to provide personal information. Banks may also require you to verify your identity using a passport or driver\u2019s licence. From time to time, <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switching-deals\">banks often run switching offers<\/a> that pay you to close down your old account and switch to a new one. This can also apply to joint bank accounts including <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/tsb-bank-switch-deal\">switching deals from TSB<\/a>. <\/p><h3>Common reasons for opening an account for multiple people<\/h3><p>The need for more than 2 joint account holders most often arises in business situations, where partners, treasurers and other bookkeepers all need to be able to move money in and out of the account. In the case of youth accounts, it is not uncommon to find both parents listed as account holders as well as the child. This ensures that in the event that one parent is absent, the account is still accessible.<\/p><p>People also commonly open joint accounts with:<\/p><ul class=\"list-1\"><li>Roommates to pay for shared living expenses and rent<\/li><li>Business partners so multiple employees can make deposits and withdrawals (See our guide on <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/joint-business-bank-accounts\">joint business bank accounts<\/a>)<\/li><li>Family members as an <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/emergency-fund\">emergency fund<\/a><\/li><li>Friends to pay for an upcoming holiday<\/li><li>Romantic partners to combine finances<\/li><\/ul><h3>Who can close a multiple-holder bank account?<\/h3><p>Generally, one person can close a joint bank account without the other\u2019s permission. But some banks have stricter rules that require all joint owners to provide consent before closing. If you\u2019re concerned about having the account closed without you knowing, look for a bank that requires all parties to close the account together.<\/p><h3>Bottom line<\/h3><p>While 2 is the most common number when it comes to joint accounts, several banks allow you to add a third account holder or additional card holder. <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\">Compare savings accounts<\/a> or <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\">current accounts<\/a> to find one with the features you\u2019re looking for before getting started.<\/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=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Can I take someone off a joint 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=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Usually no, though some banks will have accounts that allow for removal. Check with your bank to find out more.<\/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\">What happens to the account when one of the account holders 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=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Most joint accounts are set up to transfer ownership to the surviving account holder(s) using a legal principle called \u201csurvivorship\u201d. But certain types of joint accounts may be frozen or closed \u2013 the best thing to do is check with your bank.<\/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\">Can I add someone to my existing 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=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, most banks will let you turn your existing bank account into a joint account by adding someone.<\/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=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" 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>You can open a joint bank account with 3 or more people. Learn how it works, how to sign up and what risks to be aware of.<\/p>\n","protected":false},"author":645,"featured_media":337814,"comment_status":"open","ping_status":"open","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":[130206],"tags":[2565],"asset_tag":[],"class_list":["post-333154","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-joint-bank-accounts","tag-latest-3"],"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>Compare joint bank accounts for 3, 4 and more people<\/title>\n<meta name=\"description\" content=\"You can open a joint bank account with 3 or more people. Learn how it works, how to sign up &amp; the risks. Plus which banks offer this.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/joint-bank-accounts\/more-than-two-joint-holders\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compare joint bank accounts for 3, 4 and more people\" \/>\n<meta property=\"og:description\" content=\"You can open a joint bank account with 3 or more people. Learn how it works, how to sign up &amp; the risks. 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