What is a joint account and how do I apply?
A joint account is an account opened in the names of two or more people. You may open an account jointly with one other person and you may add additional joint account holders once an account is open, but no more than three people may have a joint account. All parties are equally liable for the account.
Each person named on the account 'owns' all the money held within it. That means that each person can take or spend everything in the account and each one is separately responsible for all the debts on it. That's the same if only one person puts money into the account. For more information on joint accounts have a look at the British Bankers' Association's - You and Your Joint Account.