Eligibility
Check who can open the account, ID requirements and whether both people need existing accounts.
Joint accounts
Digital Banks for Joint Accounts
A good joint account should make shared bills and spending easier, not harder. The right option depends on whether you need budgeting tools, travel use, savings or a simple shared current account.
Last updated: 16 September 2026
At a glance
11 providers compared for joint accounts
- Eligibility
- Shared controls
- Fees and overdrafts
What this page is
- Helps readers compare banks for joint accounts using features, fees, protection and practical fit.
- Highlights watch-outs and links to wider comparison pages before readers choose a provider.
What this page is not
- Does not provide personalised financial advice or guarantee eligibility for any account or product.
- Does not replace checking live provider rates, fees, terms and protection wording before applying.
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.
Before you compare
What to compare first
Before looking at individual banks, check the features, fees and limitations that matter most for this type of account.
Shared controls
Compare card controls, spending notifications, payment approvals and account visibility.
Fees and overdrafts
Review account fees, overdraft responsibility and charges that affect both account holders.
Support if things change
Check how the bank handles disputes, closures, lost cards and changes to relationship status.
Compare the providers
Banks to compare
Review each bank's strengths, limitations and key checks for this guide. The order does not imply an overall ranking.
Atom Bank
Also compare for joint accounts
Atom is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Monthly feeN/ASavingsUp to 4.75% AER
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Chase UK
Also compare for joint accounts
Chase is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Monthly feeFreeSavings2.25% AER standard; 4.50% AER boosted
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Kroo
Also compare for joint accounts
Kroo is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Monthly feeFreeSavings2.65% AER
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Monese
Flexible access and international users
Monese can be useful for people who want accessible app-based money tools and joint account options.
Monthly feeFree simpleSavingsCheck provider
Watch
Monese is not a full FSCS-protected UK bank account.
Monzo
Budgeting as a couple
Monzo can suit couples who want shared budgeting, Pots, spending insights and easy bill splitting.
Monthly feeFree accountSavingsUp to 3.65% AER
Watch
Some advanced features may require paid plans.
Revolut
Joint use with travel features
Revolut may suit couples who want joint account features alongside travel and multi-currency tools.
Monthly feeFree standardSavingsRates vary
Watch
Plan limits and eligibility can matter.
Starling Bank
Practical shared bills
Starling is strong for joint accounts, Spaces, Bills Manager and straightforward shared spending.
Monthly feeFreeSavings4.00% AER introductory
Watch
Check eligibility and whether both account holders meet requirements.
Tandem
Also compare for joint accounts
Tandem is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Monthly feeFreeSavingsUp to 4.90% AER
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Wise
Also compare for joint accounts
Wise is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Monthly feeFreeSavings3.32% fund yield (not AER)
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Zempler Bank
Also compare for joint accounts
Zempler is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Monthly feeFree freedomSavingsShown in app
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Zopa
Also compare for joint accounts
Zopa is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Monthly feeN/ASavingsUp to 4.65% AER
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Final checks
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.
FAQs
Frequently asked questions
Quick answers before you compare banks.
How should I use this joint accounts guide?
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.
Compare banks →What should I 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.
Continue researching →How does BankAdvisor compare banks?
For joint accounts, we compare providers using practical checks such as eligibility, shared controls, fees and overdrafts, and support if things change, alongside the provider information in our reviews.
Read how we review banks →Are the banks listed fairly?
Yes. The joint accounts cards above are ordered to help you compare strengths, limitations and key checks — not to rank one provider above another.
Compare the full list →Continue researching
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Use the full comparison table to compare fees, protection, savings, travel and everyday features.