{"id":568132,"date":"2025-11-07T13:35:58","date_gmt":"2025-11-07T13:35:58","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=568132"},"modified":"2026-02-03T16:28:34","modified_gmt":"2026-02-03T16:28:34","slug":"lloyds-joint-accounts","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/joint-bank-accounts\/lloyds-joint-accounts","title":{"rendered":"Lloyds joint accounts"},"content":{"rendered":"<p>As a major high street bank, Lloyds has a large range of joint accounts available. Here&#8217;s what it has to offer.  <\/p><h3>Our verdict: Is a joint account with Lloyds worth it?<\/h3><p>Lloyds offers a wide variety of joint accounts, whether you&#8217;re after a straightforward everyday bank account to manage your household bills, or you&#8217;d prefer an account that offers a range of perks such as insurance policies and rewards. <\/p><p>Most accounts also come with an overdraft, plus you can open a joint savings account too if you want to put cash aside for a shared savings goal. <\/p><p>However, before making any firm decisions, it&#8217;s worth comparing these accounts with others on the market first. <\/p><h3>Pros and cons of Lloyds joint accounts<\/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>Range of joint bank accounts to choose from<\/li>\n                                    <li>Joint savings accounts are also available<\/li>\n                                    <li>FSCS protection<\/li>\n                                    <li>If you apply for a joint packaged account, you only pay one fee but both benefit from the account perks<\/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'll need to both bank with Lloyds before you can open a joint account<\/li>\n                                    <li>Some accounts have a monthly fee<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Does Lloyds offer a joint account?<\/h3><p>Yes, Lloyds offers a number of joint bank accounts for 2 people. Both account holders get a contactless Visa debit card and both can manage the account through internet banking and the mobile banking app. <\/p><p>You can also apply for a shared arranged overdraft, but remember that as this is a joint account, you will both be responsible for repaying it. That makes it important to carefully consider who you are opening the account with. <\/p><p>As Lloyds has a UK banking licence, your joint funds are protected up to \u00a3120,000 per person under the Financial Services Compensation Scheme (FSCS). <\/p><h3>Which accounts are joint?<\/h3><p>These Lloyds current accounts are all available as joint accounts: <\/p><ul><li>Basic Account<\/li><li>Classic<\/li><li>Club Lloyds<\/li><li>Lloyds Premier<\/li><li>Club Lloyds Silver<\/li><li>Club Lloyds Platinum<\/li><li>Silver<\/li><li>Platinum<\/li><\/ul><p>Lloyds also offers joint savings accounts which can be useful if you want to set aside some money to save for a holiday or home improvements. <\/p><h3>How do I get a joint account with Lloyds?<\/h3><p>The process of opening a joint account with Lloyds depends on your situation:<\/p><ul><li>If you already bank with Lloyds and want to add someone to an existing account, you should book an appointment in branch &#8211; both of you will need to attend. Note that not all accounts allow you to add another account holder.<\/li><li>If you both already bank with Lloyds and want to open a new account, you can do this through online banking or the app.<\/li><li>If neither of you banks with Lloyds, or only one applicant does, you must both have another account with Lloyds before you can open a joint account. You can then apply for the joint account online or via the app, or book an appointment in branch.<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>Manage your shared finances with ease with a Lloyds joint bank account.<\/p>\n","protected":false},"author":1047,"featured_media":0,"comment_status":"closed","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":[],"asset_tag":[],"class_list":["post-568132","post","type-post","status-publish","format-standard","hentry","category-joint-bank-accounts"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - 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