Joint current account

Open a joint bank account online

Manage your money in a way that works for you – and earn 3.25% AER / 3.19% Gross (variable) interest on balances up to £5,000. Sorting bills, saving for shared goals or just splitting the dinner tab: it’s easier with a joint account.

Hands holding two Starling Bank cards

Simplify household expenses.

Pay your shared bills together. Instead of a complicated combination of responsibilities – or one person doing it all – you’ll both get full visibility over any expenses and your money.

Set up Bills Manager from your joint account. Money for your bills will automatically be set aside – and paid – from a separate Space.

Apply now

Side-by-side saving.

House deposit? Or just dog toys? Whatever you’re saving for, combine your efforts with a joint Saving Space. Add a picture, set targets, and track your progress – together.

Apply now

Hassle-free spending.

Whose turn is it to fill the car up this week? Leave IOUs behind, and use your joint card when you spend on shared items and experiences.

You can track your shared spending habits with Spending Insights, and we’ll send you both instant notifications when you receive money, or either of you spend.

Apply now

A Starling joint account makes life easier

  • 100% digital sign up (goodbye branches)
  • Earn 3.25% AER* / 3.19% Gross* (variable) interest on balances up to £5,000
  • Prefer not to earn interest? We can move your account to 0% AER instead
  • 24/7 UK-based customer support
  • Track your goals with shared Saving Spaces
  • No fees overseas
  • Spending Insights and analytics
  • Lock your card in the app for added security
  • Round Ups: save the change from every transaction and save on autopilot
  • Your money is protected by the FSCS up to £85k
  • Deposit cheques by taking a photo
  • Organise and pay bills with Bills Manager
  • Help kids manage money with Kite – a debit card and app for kids managed from your joint account
Apply now

*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. See illustrative example.

How to open a joint account

Opening a joint account is easy – and all online. Do either of you bank with Starling already?

Starling Bank card

Step 1

To open a joint account, you’ll both need our award-winning personal account first. It only takes a few minutes to apply for one – all from your phone.

A screen in the Starling Bank app promting the user to open a new account

Step 2

Personal accounts set up? Make sure you’re both in the same room, then tap the account switcher above your balance. Tap Open a new account.

A screen in the Starling Bank app promting the user to create a joint account

Step 3

Choose the joint account. Follow the steps and you’ll be set up in minutes. You can start saving and spending from your joint account right away.

Apply now

Switch your joint account today.

Have a joint account with another bank? Transfer Direct Debits, standing orders, money and payees all in one go. Any money sent to your old account is automatically and instantly forwarded to your Starling joint account.

Once your joint account is open, hit the Switch to Starling button in the app to get started. We’ll handle the rest.

Frequently asked questions

  • What is a joint account – and is it right for us?

    It goes without saying that a joint account is for people who know each other pretty well, such as couples.

    You’ll both have full access to the account and everything that’s in it. You’ll both be accountable for any of its debts too, and will share a credit history.

    House deposit? Or just dog toys? Whatever you’re saving for, combine your efforts with a joint Saving Space. Add a picture, set targets, and track your progress.

  • How much interest will I earn with a joint account?

    You’ll earn 3.25% AER* / 3.19% Gross* (variable) interest on balances up to £5,000. You will earn interest on the money in your main balance together with any money in Spaces, including Connected card and Kite.

    You won’t earn interest on additional GBP accounts or multi-currency accounts. The current account interest rate does not apply to the Fixed Saver, which is a savings product with its own rate.

    Interest is calculated daily and paid on the first day of each month. We pay ‘gross’ interest, which means we don’t take off any tax you might owe on the interest you receive. The tax treatment is dependent on your individual circumstances and may be subject to change in the future. The interest rate we offer is subject to change.

    Interest is earned on personal, teen and joint accounts. You will earn interest on balances up to £5,000 in each account type you have.

    *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. See illustrative example.

  • Does a joint account affect my credit score?

    When you open a joint bank account with someone, your credit histories will be linked. This means your credit score will be affected by theirs – and vice versa. Give this blog post a read before you consider opening a joint account.

  • What do I need to open a joint bank account?

    You’ll both need to have Starling personal accounts, and be in the same room when starting your joint account application. Tap on your profile at the top right of the home screen and click ‘Open a new account’. Then tap ‘Joint account’ and you’ll be prompted to ‘Find them now’.

  • Who owns the money in a joint bank account?

    Both account holders; both can make deposits and withdrawals.

  • How many people can open a joint bank account?

    Two Starling personal account customers can apply for a joint account in minutes, without filling out any paperwork.

  • How do I switch my joint account to Starling?

    Once your Starling joint account has been opened, tap the plus symbol by your balance. Tap Switch to Starling and follow the instructions. We’ll make the switch within seven days.

  • How do I close a joint bank account?

    Both you and the other account holder will need to get in touch with us individually to confirm that you’d both like to close the account.

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