Joint current accounts

Bank accounts that help you to manage your finances together

Our joint accounts

Compare: Overdraft limit Formal overdraft debit interest rate What is an formal overdraft? Informal overdraft debit interest rate What is an informal overdraft? Representative example What does representative mean? Eligibility Learn more about eligibility Overdraft requirements Chip and pin Learn more about payment types Contactless Learn more about contactless Account fees Charges

Overdraft available on request.

18.9% EAR variable

  • Interest is charged on the total formal overdraft balance.

18.9% EAR variable

  • Interest is charged on the informal overdraft balance.

Assumed credit limit

£1200

with an interest rate of

18.9% EAR variable

  • Aged 16 or over.
  • An EU resident.

Approval is based on a credit check, an assessment of your personal circumstances and is subject to status.

You must be 18 or over.

Approval is based on a credit check and an assessment of your personal circumstances.

chip and pin icon

Yes

contactless card icon

Yes

  • You must be 18 or over, approval is based on a credit check, an assessment of your personal circumstances and is subject to status.
x No monthly fees.
Other charges may apply

No overdraft available on this account.

No overdraft available on this account.

No overdraft available on this account.

No representative example as there is no overdraft.

  • Aged 16 or over.
  • An EU resident.

No overdraft available on this account.

chip and pin icon

Yes

Contactless is not available with a Cashminder account.

x No monthly fees.
Other charges may apply

Apply for a joint bank account

Having a joint bank account can be an ideal way for two people to manage their expenses.


You can still keep your own separate current accounts. But you’ll also have a shared account for other expenses, like covering rent/mortgage payments and utility bills.

  • Get two debit cards for easy access.
  • Manage your account using online banking, with shared login details.
  • Request an overdraft.

    • Approval for the overdraft is based on a credit check and an assessment of your personal circumstances.
  • Just remember you are both responsible for any debts on the joint account – such as an overdraft.

Switching made quick and easy

When you switch your current account from your current bank or building society, we do all the hard work for you.


  • Direct Debits and standing orders are transferred automatically.
  • Payments into and out of your old account are redirected.
  • If there are any problems, we'll guarantee to cover you.
Learn more about switching

Help for existing customers

Help and information about current accounts for our existing customers.


The Co-operative Bank reserves the right to decline any application.

Whether we can offer you credit depends on your circumstances and our lending policy. We may decline your application based on your circumstances or our lending policy. We may be able to offer a product that's different to the one advertised.

Contact us

If you'd like more help & information, you can:

Chat to us via live chat

Chat to us via live chat