#1 - Practical shared bills
Starling Bank
Starling is strong for joint accounts, Spaces, Bills Manager and straightforward shared spending.
Joint accountSpacesBills
Watch: Check eligibility and whether both account holders meet requirements.
Updated June 2026 - Joint accounts
Best Digital Banks for Joint AccountsUK guide for 2026
A good joint account should make shared bills and spending easier, not harder. The best option depends on whether you need budgeting tools, travel use, savings or a simple shared current account.
Quick answer
Starling and Monzo are two of the strongest app-based joint account options. Revolut and Monese may also be worth comparing depending on eligibility and feature needs.
Top picks to compare
Ranked by practical fit for this specific use case.
#2 - Budgeting as a couple
Monzo
Monzo can suit couples who want shared budgeting, Pots, spending insights and easy bill splitting.
Joint accountPotsBudgeting
Watch: Some advanced features may require paid plans.
#3 - Joint use with travel features
Revolut
Revolut may suit couples who want joint account features alongside travel and multi-currency tools.
JointTravelMulti-currency
Watch: Plan limits and eligibility can matter.
#4 - Flexible access and international users
Monese
Monese can be useful for people who want accessible app-based money tools and joint account options.
JointAccessibleSafeguarding
Watch: Monese is not a full FSCS-protected UK bank account.
What to check before choosing
- Check whether both account holders need separate personal accounts first.
- Check FSCS protection for joint balances.
- Look for bill pots, spaces or shared spending categories.
- Agree how overdrafts or account restrictions would affect both holders.
Trust and sourcing note
Rates, fees and eligibility can change. We use provider information, bank reviews and our review process to keep these guides useful, but always check the provider before applying.
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