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Joint current accounts

Bank accounts that help you to manage your finances together

For existing customers

Not sure which account is for you?

Compare our current accounts

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.
  • Request an overdraft.

    • Overdraft not available on Cashminder.
    • 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.

smile, The Co-operative Bank and Britannia are trading names of The Co-operative Bank plc, which is a member of the Financial Services Compensation Scheme (FSCS).

Contact us

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