Joint current account

Opening a joint bank account

Simplify shared spending and set up a joint account online in minutes.

Starling joint account app interface

What is a joint bank account?

Joint bank 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 bank account is designed to simplify shared spending.

If you want to open an additional joint account, you can do this in-app, completely free of charge.

How does our joint account work?

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 bank account, spend anything that’s in it and use the app’s features to keep track.

Not sure if a joint bank account is right for you? Our Connected card might be just what you need. It’s an extra bank card that you can give to someone you trust so they can shop on your behalf. You’ll stay in control with the ability to top up, track and cap spending.

Apply now

How to set up a joint bank account

1. 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 a few minutes.

2. 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.

3. 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*.

FSCS logo
Apply now

How our joint bank account can help you

A bank that doesn’t cost the Earth.

When you refer someone to Starling, and they open an account, we’ll plant a tree to say thanks.

Many a happy customer

We think we have the best joint bank account, but don’t just take our word for it. We’ve been reviewed thousands of times on Trustpilot. Our customers think we’re “the best bank bar none”, “a true breath of fresh air”, and “freaking love” us.

Read more customer reviews...

Read our report on decision-making in households with women who are living with male partners and test your knowledge with our interactive quiz on household finance.

Read our report

Who is a joint bank account for?

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

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.

Looking to add a child space to your account? With our joint bank account, you’ll be able to connect your Kite card so you have instant visibility of your child’s spending.

*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.

How to open a joint bank account

Apply for a personal account today. Then, apply for a joint account in-app.

Start your application

Already a Starling customer? Open the app, go to the profile menu and click ‘Open a new account’.

Subject to eligibility criteria: the option to apply for a joint account in the app will only be visible for customers that match our criteria.

Open app

Ready to switch to Starling?

We take the hassle out of switching banks. With just a few taps in the app, you can let us know you’re ready to make the move, and we’ll take it from there. Our switching service is simple, completed in seven working days and covered by the Current Account Switch Guarantee.

Get started

CASS logo

Frequently asked questions

  • 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.

  • 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 the 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.