Joint Accounts

A joint account is a simple way for two people to share access to the same bank account creating one monthly statement.

  • Two people using one account.
  • A simple way to share spends and see them on one monthly statement.
  • Both account holders get a Visa debit card and separately set up and manage Internet Banking.

Please be aware of the following

  • Both account holders must be aged 18 or over.
  • Under 19 and Student Accounts can't be made into a joint accounts.
  • Both people named on the account are individually and jointly responsible for any debts on the joint account.
  • Credit reference agencies often create a financial link or association between people who have a joint account. Meaning that the financial situation of the other person on the account could affect your credit rating.
  • Both people named can use the account benefits and features without needing the approval of the other.

How to open a joint account


New to Bank of Scotland

One of you can get things started by opening an account online. You will both then need to come into Branch to make this a joint account.

Existing Bank of Scotland customer

As an existing customer you can turn your current account into a joint account by going into branch.

We may need some identification to get your current account opened.
Existing Bank of Scotland account holders can use your bank card as a form of ID. New customers will need to bring an acceptable form of ID into branch with you.

Please take a look at our acceptable forms of identification.

  • Ensure you add the other account holder to your new account before completing your switch.

    You’ll need your debit card or details of the account you wish to switch from, income details, your home address and the details of any arranged overdraft you have on your existing bank account.

    All arranged overdraft applications are subject to approval after our assessment of your circumstances, and are repayable in full on demand.

  • A request to remove someone from your bank account can be made in branch and will only be accepted where the account is in credit.

Classic silver debit card

Classic Account

The simple bank account for everyday banking, with no monthly maintaining the account fee.

Classic account detailsFind out about our Classic account
Bank of Scotland AVA card

Platinum Account

An account with benefits – including travel insurance, breakdown cover and mobile phone insurance – for only £21 per month.

Platinum account detailsFind out about our Platinum account

Find your nearest branch

Visit us in branch and our staff will be happy to help. In busier periods when staff may not be immediately available, we’ll be happy to book an appointment for a later date. Alternatively, make an appointment at your local branch.