Joint Current Account

Simplify shared spending with Starling

It takes two

Joint accounts are great for couples or good friends who share financial commitments from time to time. Manage collective household expenses like bills and rent or save up for something big – however you feel like using it, our joint account is designed to simplify shared spending.

As long as you’ve both got a Starling personal account, you can set it up together in-app, then once you’re good to go, you’ll both be able to add money to your joint account, spend anything that’s in it and use the app’s features to keep track.

Convenient icon

Sofa-based set up

Create a joint account from the world’s most comfortable branch: your sofa. As long as the other person is nearby, our joint account scanner will quickly locate them, and then all they’ll have to do is find you too and accept. Easy.

Lightning flash circle icon

The fast track

Because you’ve both passed our security checks already, we’re pretty quick off the blocks when it comes to joining you up. It shouldn’t take longer than five minutes.

Joint account icon

Banking to the power of two

Enjoy the benefits of our personal account – but together. Fast, simple payments, a new contactless Mastercard debit card, easy Direct Debits, great money management features – and that’s just the start.

Padlock circle icon

Playing it safe

Lock your card temporarily if either of you misplaces your card, chat to our customer support team in app 24/7 and rest easy, knowing that your money is covered up to £85,000 by the FSCS*.

Who's it for?

As long as you’ve both got a Starling personal account – it’s for you!

However, do bear in mind that…

It probably goes without saying that a joint account is designed for people who know each other fairly well. Make sure that you trust whoever you’re joining up with, as you’ll both have full access to the account and everything that’s in it (and you’ll both be accountable for any of its debts, too).

The credit bureau records the link between people who create a joint account together, so make sure you’re aware of each other’s financial situation before you decide to join up.

*The FSCS guarantees your money up to the total amount of £85,000, covering a combination of half your joint account and your personal balance.

Apply in minutes

Visit ‘Account Management’ (on Android) or the profile menu (on iOS) and tap on ‘Get another Starling account’, then follow the simple process. As long the person you want to join with is nearby, you’ll be able to find each other and create a joint account within five minutes.

Not got a Starling account yet? Download it here.