A joint account designed for seamless shared access—whether with a partner or family member.
Each authorized user can view balances, transactions, and statements anytime.
Your Joint Account — Shared Access, Shared Control
Open a Joint Account in minutes and start managing money with your partner or spouse.
Our Joint Account Benefits
Designed for Couples and Families to Manage Money Seamlessly
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Shared Oversight
Transparent financial access and full transaction visibility for all owners.
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Email Alerts
Both users receive instant notifications for every transaction and update
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Joint Authority
Both can set up Direct Debits, standing orders and manage online banking.
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Multiple Cardholders
Each person receives their own debit card.
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Account Security
Robust protection through FSCS (up to £85k each / £170k joint)
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Paperless Simplicity
Entirely online—no forms, no hassle, just quick and seamless banking from anywhere.
Joint A/c Interest & Charges
Clear fee structure with no hidden costs, perfect for budgeting.
Interest Rates (AER)
Up to £10,000
1.15%
£10,001 – £25,000
1.30%
Above £25,001
1.45%
Debit Card
Annual Fees
Nil
Transaction Limit
Up to £2,000 daily
Card Replacement
£5
Perfect for Family &
Shared Financial Needs
Shared Financial Needs
Simple
Setup
%
Joint Debit Cards for Every Holder
Each account holder gets their own debit card with spending controls.
Eligibility Criteria to
Open a Joint Accoun
Open a Joint Accoun
Key requirements to qualify for a joint account.
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1
Age Requirement
Both Applicants Must Be 18+
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2
Mutual Consent
Both applicants must agree to open and operate the account jointly.
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3
Proof of Identity
Each person must provide valid photo ID (passport, driver’s licence, etc.).
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4
Proof of Address
Recent utility bill or government correspondence showing current address
2
M+Trusted by Over 2 Millions Everyday Users
Questions & Answers
Find clear answers to the most common questions about
our services accounts, and support.
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Can I apply for a loan online?
Yes, you can apply for personal, auto, or business loans through our website. Our team will review your application and get in touch with you promptly.
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How do I activate my new debit or credit card?
You can activate your card through your online banking account, by contacting our customer support. Instructions are also provided with the card.
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What should I do if I see unauthorized transactions?
Report suspicious activity immediately by contacting our fraud team. We will investigate the issue and guide you through the dispute process.
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How do I report a lost or stolen card?
Immediately contact our support or block the card via online banking. A replacement card can be issued and mailed.
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What is the daily withdrawal limit for ATMs?
The standard ATM withdrawal limit is [$500 or equivalent local currency] per day. You can request a temporary increase by contacting our support team.
If you didn’t find what you’re looking for contact us.