Opening and making changes to a joint current account
Find out how we can help if you want to:
- open a Nationwide current account jointly, or
- add someone to your current account, or
- remove someone from your current account.
When you have a joint current account
When you have a joint account with Nationwide, it means:
- Any money in your account belongs to both of you
- You can both spend and take money out using separate cards
- If there is an overdraft on the account, the new account holder will be jointly responsible for it, even if it’s already in use
- If we need to ask you to repay your overdraft, we can ask either or both of you.
- If either of you die, the other person takes full control of the account and any money
- If you have different addresses, we’ll send paperwork to the first named account holder, unless you ask us to send it to both of you
- If the relationship breaks down, either of you can ask to freeze the account. This means neither of you can withdraw any money until you both agree to stop the freeze.
- You’ll both be members of Nationwide, but only the first named account holder will have the right to vote on Nationwide matters.
Open a joint current account
For your new joint current account, you can choose from the following types of Nationwide account:
Add someone to your current account
We understand that you might want to give access to your finances to another person. However, it’s really important that we protect your money responsibly. We know that criminals are using coronavirus to trick people into sharing personal or financial information.
So, we are currently reviewing how we add members to existing current accounts.
If you want someone else to have access to your finances, adding them to your account is not the only option.
You can also:
- set up a new joint account, or
- arrange Third Party Access.
For more support and information about how you can bank from home, visit our banking from home page.
Remove someone from a joint account
We are currently reviewing how we remove members from existing joint current accounts. For now, please contact your local branch who are ready to help and advise on your options.