Joint accounts

How joint accounts work

• You’ll both get your own debit card or cash card, depending on the account you have, as well as a chequebook (if required), so you can pay for things and withdraw money independently.
• You can both pay money into the account, or just one of you can – it’s up to you.
• Either of you can use the account. You both get access to our branches, cash machines, Telephone Banking and Online Banking.
• Each account holder must update their own details within Online Banking.
• If both of you are paying money into the account, then you could have a higher balance to earn interest on, or a larger arranged overdraft facility (subject to status).
• If money is owed on the account, each of you is responsible for the whole debt no matter who created it.
• Please bear in mind that either of you can make withdrawals, write cheques, set up arranged overdrafts, use the cash machine or close the account without the knowledge of the other person.

How to add or remove a joint account holder

If you’re applying for a new account online, over the phone or in a branch, you can add a joint account holder during your application.

If you already have an account, you can add or remove account holders by printing off and filling out either a Current account form (PDF - 323 KB) or savings account form (PDF - 153 KB). You’ll also need to send us some ID with your request. Please check our ID requirement list to see what types we accept before starting your application. 

When you’re ready, you can send your completed form to:

Santander Banking
Operations,
Sunderland SR43 4FP

Alternatively, you can make an appointment at your local branch

Some accounts don't allow joint account holders. Please see your specific account's Key Facts Document to find out if a joint account is an option for you.

If you want to add an account holder to your Santander Edge Explorer current account:

• both of you will need to fill in our Current account form (PDF - 323 KB)
• the account holder you're adding will need to complete our Change a Santander Edge Explorer from sole to joint form (PDF - 88 KB)
• you'll need to send both forms back to us, along with proof of ID for the new account holder.

Our Santander Edge Explorer comes with insurance benefits. The new account holder will need to understand what these are, and if they can use them. To find more details, visit our Santander Edge Explorer page