Joint Savings Accounts

To apply for a joint savings account, you both need to already hold a current account with us. Find out more about our current accounts if you don't have one already.

We offer the option to open a joint savings account with the following products:

Flexible Saver - our most basic savings account; flexible saving without the need to deposit regularly. Access your savings whenever you need it.

To apply for a joint savings account online, simply choose the joint account section when it is shown after you click apply now.

Yes, you both need to have an existing NatWest current account to apply for a joint savings account.

Do we need a joint current account to have a joint savings account?

No, you don't have to have a joint current account to apply for a joint savings account. However, you both need to have an existing NatWest current account.

Can I have sole and joint savings accounts?

Yes, you can have sole savings accounts for saving on your own, and joint savings accounts for saving with another. However, there may be limits to the number of sole or joint savings accounts you can have for an individual product. Please check the eligibility information on the webpage of the product you are interested in for more information.

What happens if one of the joint savings account parties passes away?

In the circumstance that one joint account holder passes away, we can change the joint account to a sole account. The best thing to do is speak with your nearest branch, or write to us. 

Will we both earn separate interest on a joint savings account?

No, afraid not. The interest you'll earn on the joint savings account will be the same rate that you would earn on a sole savings account, unless we explicitly tell you otherwise.

Can we have a joint savings account with more than 2 parties?

No, we only offer joint savings accounts between two named parties.