Joint Current Account
Open a joint bank account online
Open a joint bank account online
Sorting bills, setting aside money for shared goals or just splitting the dinner tab: it’s easier with a joint account.
Apply now
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
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)
24/7 UK-based customer support
Organise your money with shared Spaces
No fees overseas
Spending Insights and analytics
Lock your card in the app for added security
Round Ups: set aside the change from every transaction into a Space of your choice
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
Prefer not to earn interest? We can move your account to 0% AER instead
Earn 3.25% AER* / 3.19% Gross* (variable) interest on balances up to £5,000 - check out our interest rate calculator to see how much you could earn
We’re removing the interest rate from our personal and joint current accounts on 10 February 2025. If you have an account with us, you can carry on earning interest on balances up to £5,000 until that date. We’ll send existing Starling customers more information about this interest rate change.
*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?
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.
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.
Step 3
Choose the joint account, then follow the steps to apply. As soon as we’ve checked your details, your new account will be open and ready to use.
Apply now
Subject to eligibility criteria: the option to apply for a joint account in the app will only be available for customers 18+ and that match our criteria.
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.
Monthly food shop? Or just dog toys? Whatever you need to set aside money for, combine your efforts with a joint Space. Add a picture, set targets, and make it yours – together.
What age do I need to be to open a Starling joint account?
You can apply for a Starling joint account as long as you’re 18 or over.
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.
We’re removing the interest rate from our personal and joint current accounts on 10 February 2025. If you have an account with us, you can carry on earning interest on balances up to £5,000 until that date. We’ll send existing Starling customers more information about this interest rate change.
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?
You’ll need to send us an in-app message to tell us you’d like to close the account. You can also call us on 020 7930 4450, or +44 (0) 207 930 445 if you’re abroad.
We only need consent from one account holder to close the account, unless there is an open dispute on the account.