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Can I switch a joint account?

7 of the 11 offers accept a joint account; it switches into a new joint account in both your names. 2 offers exclude joint accounts. For 2 offers, the terms don’t say: ask the bank first.

Joint accounts accepted 7

• fd

  first direct first direct 1st Account, £210

  One reward between you, not one each. The terms don’t say whether its rules about earlier accounts and rewards apply to both of you; Pocketly checks both, to be safe.

  In the terms: Offer page: limited to one payment per customer or joint account

• L

  Lloyds Club Lloyds Account, £200

  One reward between you, not one each. Its rules about earlier accounts and rewards apply to both of you.

  In the terms: FAQ: Can I switch a joint account? Yes; to open it online, both of you log in to the app or online banking

• N

  Nationwide Building Society Nationwide FlexDirect, £175

  Its rules about earlier accounts and rewards apply to both of you.

  In the terms: Prior offers: once for your first eligible sole switch and once for your first eligible joint switch since 2021

• NW

  NatWest Premier NatWest Premier Select Account, £500

  Its rules about earlier accounts and rewards apply to both of you.

  In the terms: Important information: joint accounts are eligible for this offer

• NW

  NatWest NatWest Select Account, £200

  Its rules about earlier accounts and rewards apply to both of you.

  In the terms: Important information: the offer isn’t paid to an account if any party on it has received cash from a NatWest, RBS or Ulster Bank switch offer

• RBS

  RBS RBS Select Account, £200

  Its rules about earlier accounts and rewards apply to both of you.

  In the terms: Joint bank accounts page (owner capture, 6 Nov 2026): the £200 switch offer, with "If I am applying for a joint account…" in its FAQs

• S

  Santander Santander Everyday Current Account, £240

  One reward between you, not one each. Its rules about earlier accounts and rewards apply to both of you.

  In the terms: General term 2: “you” means the person or persons named on the account

Not for joint accounts 2

• B

  Barclays Barclays Bank Account, £150

  Not for joint accounts.

  In the terms: £150 CASS Bonus: you won’t qualify if you’re opening a joint account

• B

  Barclays Premier Barclays Premier Current Account, £450

  Not for joint accounts.

  In the terms: Section 3: you won’t qualify if you’re opening a joint account

The terms don’t say 2

• H

  HSBC UK HSBC UK Bank Account, £220

  Ask the bank before you apply.

• H

  HSBC Premier HSBC UK Premier Bank Account, £500

  Ask the bank before you apply.

Planning for two people, each with their own accounts? The household plan plans both, in the order that pays most.

From each bank’s own terms, as Pocketly read them; each bank’s live terms are final. How Pocketly checks offers.