On this page
Overlay
Open a joint current account
Joint bank accounts
An easier way for two people to manage money
Sharing a bank account with your partner or friends can make it easier to take care of shared expenses and bills.
A joint account still lets you do all the things you can do with a sole account, but you’ll share control and responsibility with someone else.
Once you’ve added someone to your account, you’ll both get a contactless bank card and access to the joint account on our mobile app and Online Banking.
Select account
Our basic current account
Our Select account is a basic bank account that gives you everything you need for your day-to-day banking needs:
- Monthly fee free banking.
- Take care of your bank account on the go with our mobile app and Online Banking. Criteria apply.
- Pay however you like with Apple Pay, Google Pay™ and contactless. Limits apply.
To apply, you need to be 18+ and a UK resident.
Information Message
Reward account
Earn money back in Rewards
With the Reward bank account, for a £2 fee, you could:
- Earn up to £5 a month back in Rewards.
- Redeem Rewards as money back into your account or trade them up for e-gift codes with our partners.
- Even donate your Rewards to charity if you like.
To apply, you need to be 18 or over and a UK resident. To hold this account, you need to pay £1,250 into an eligible NatWest account every month. To earn £5 rewards, you earn £4 a month back in rewards for two or more Direct Debits (at least £2 each) and an additional £1 a month back in rewards with one mobile app log in. If you have an existing Select account you’ll need to covert it to Reward.
Information Message
How to open a joint bank account
To get a joint account, you’ll first need to open a sole account and then add someone to it. You can choose an account you already have or set up a completely new one. To find out the best way for you to add someone to your account, you can use the filters below:
Are you new to us?
£150 Switch offer with our Reward accounts
Apply online or via our app to switch your current account held elsewhere in to an eligible Reward account using the Current Account Switch Service and you could get £150.
Switch to us
Don't have a current account with us?
Simply open a Reward account and switch to us.
Already have a current account with us?
Switch a current account held elsewhere in to your existing account with us and change that account to one of our Reward accounts.
If you already have an eligible Reward account, you only need to complete the switch.
Within 60 days of switching
Check you have the right account
Make sure you have an eligible Reward account.
Pay in £1,250
This can be made of multiple payments and must remain in the account for 24 hours.
Log in to our mobile app
This can be done on any device that supports the NatWest mobile banking app.
You're all set
When you've met these conditions, we'll pay £150 into your eligible account within 30 days.
Here 24/7
You can talk to us wherever and whenever you choose using Video Banking. This 24/7 service can help you keep on top of your goals with a free Financial Health Check.
Boost your financial wellbeing
Whether you’re on top of your finances or you feel like you’re burying your head in the sand, we’re here to help via our app and in person.
Security matters to us
Security is important to us. That’s why we give you the option of being able to lock and unlock your debit card. If you or the other joint account holder misplaces a card, you can easily keep your finances safe until you find it.
All on the app
This is all done via the NatWest mobile app. This tool is helpful to manage your joint account and stay in control of your finances on the go.
