Life’s easier with a joint
bank account.
Build great money habits together. You’ll both need to live in the UK, be aged 18 or over,
and have a Starling personal account to apply. Terms and eligibility criteria apply.
Which? Best joint bank account
2025
Make it official.
Bring your shared spending and expenses together in one simple app.
No more IOUs
It’s all 50/50 on a joint account.
Joint Easy Saver
Fund your dreams together.
Talk money with facts, not friction. Save together, hit your shared goals faster, and track your progress.
Boost your money.
Earn 4.00% AER/ 3.92% gross (variable) interest* with a Joint Easy Saver. Includes a 12-month fixed bonus of 1.50% AER.
Always flexible.
Add money or withdraw to your joint account at any time, with no penalties.
Relationship goals.
Use Spaces to easily split your savings into different shared goals – like your big day or a big trip – and track your progress.
*18+, UK residents. Interest paid monthly. Starling joint account required. Subject to eligibility. Introductory bonus rate available only for new Easy Saver accounts. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Gross is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.
Under 16s
Turn small payments into big lessons.
Raise money-smart kids. Set up a free Under 16s card from your joint account and put your family finances under one roof.
Full visibility and control.
Get instant notifications, set spending limits, and easily top up their pocket money.
Kids get their own card and app.
Give them a taste of being a grown-up – with some strings attached.
Manage it together.
Oversee your kid’s spending as a team.
Fee-free personal accounts.
We don’t charge monthly fees on Starling personal accounts. You can use your account as often – or as little – as you like.
Ideal for travel.
Relax, you’re on holiday. Spend and withdraw from ATMs overseas, with no fees from us.
Shared life, shared euros.
It’s free to hold, send, and receive euros in your Starling joint euro account. And you’ll get a unique IBAN number too.
Ready to apply?
Good with money, together and apart. It starts with three quick steps.
You’ll need to live in the UK and be aged 18 or over to apply.
Do either of you bank with Starling already?
Open a personal account.
You’ll both need to apply for a Starling personal account first.
Tap “Open a joint account”.
Make sure you’re both in the same room so your devices can link up.
Wait for a decision.
We’ll review your application and let you know if it’s successful.
Join the millions of people getting good with money.
Award-winning accounts. No monthly fees. Industry-leading security features.
Apply for a Starling personal account