Joint Bank Accounts

HSBC UK
Current accounts
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Joint bank accounts

Find your perfect joint bank account

Take care of shared bills and household expenses with friends or partners, by opening a joint account. You’ll both be able to access your account, make payments and share the rewards and benefits of banking with HSBC.

Why get a joint current account with HSBC?

Hassle-free switching
No monthly account fee
VISA debit card with contactless payments, subject to status
Manage your money anytime with online banking and our mobile banking app

Adding someone else to your existing current account

If you want to add someone else to your existing account, you'll both need to visit your nearest branch together.

Both of you should bring one form of photo ID and one proof of address. Find out which documents we accept.

You'll need to book an appointment at one of our branches. The appointment will last around 1.5 hours. You can find your nearest branch and book an appointment using our branch finder.

Sorry, but you can't add someone else to any of these accounts:

ISAs
Student Accounts
HSBC Expat personal accounts
HSBC Currency Accounts
Online Bonus Savers
Products which are no longer on sale
Accounts previously converted from joint to sole
Existing joint accounts

Our best current accounts for everyday banking
	Bank Account	Advance Bank Account	Premier Bank Account
Switching offers	Not at this time	Not at this time	Not at this time
Arranged overdrafts, subject to status	Representative example: 0% EAR (variable)² on the first £25, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 38.9% APR (variable)³. Based on an arranged overdraft of £1,200. How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing. The monthly cap on unarranged overdraft charges for the HSBC Bank Account is £20. Further details can be found online at our Overdrafts page.	Representative example: 0% EAR (variable)² on the first £25, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 38.9% APR (variable)³. Based on an arranged overdraft of £1,200. How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing. The monthly cap on unarranged overdraft charges for the HSBC Advance Account is £20. Further details can be found online at our Overdrafts page.	Representative example: 0% EAR (variable)² on the first £500, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 21.8% APR (variable)³. Based on an arranged overdraft of £1,200. How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing. The monthly cap on unarranged overdraft charges for the HSBC Premier Account is £20. Further details can be found online at our Overdrafts page.
Additional benefits	£300 daily ATM cash withdrawals	worldwide support services £500 daily ATM cash withdrawals ATM cash withdrawals outside the UK have no HSBC non-sterling cash fees (a non-sterling transaction fee of 2.75% still applies)	exclusive family benefits worldwide support services £1,000 daily ATM cash withdrawals ATM cash withdrawals outside the UK have no HSBC non-sterling cash fees (a non-sterling transaction fee of 2.75% still applies) Premier Relationship Management Service complimentary Worldwide Travel cover provided by Aviva Insurance Ltd, UK Resident under the age of 70
Additional information	Financial eligibility criteria and terms and conditions apply.	Financial eligibility criteria and terms and conditions apply.	Financial eligibility criteria and terms and conditions apply.
	View Bank Account	View Advance Bank Account	View Premier Bank Account

Our best current accounts for everyday banking
	Switching offers
Bank Account	Not at this time
Advance Bank Account	Not at this time
Premier Bank Account	Not at this time

	Arranged overdrafts, subject to status
Bank Account	Representative example: 0% EAR (variable)² on the first £25, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 38.9% APR (variable)³. Based on an arranged overdraft of £1,200. How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing. The monthly cap on unarranged overdraft charges for the HSBC Bank Account is £20. Further details can be found online at our Overdrafts page.
Advance Bank Account	Representative example: 0% EAR (variable)² on the first £25, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 38.9% APR (variable)³. Based on an arranged overdraft of £1,200. How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing. The monthly cap on unarranged overdraft charges for the HSBC Advance Account is £20. Further details can be found online at our Overdrafts page.
Premier Bank Account	Representative example: 0% EAR (variable)² on the first £500, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 21.8% APR (variable)³. Based on an arranged overdraft of £1,200. How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing. The monthly cap on unarranged overdraft charges for the HSBC Premier Account is £20. Further details can be found online at our Overdrafts page.

	Additional benefits
Bank Account	£300 daily ATM cash withdrawals
Advance Bank Account	worldwide support services £500 daily ATM cash withdrawals ATM cash withdrawals outside the UK have no HSBC non-sterling cash fees (a non-sterling transaction fee of 2.75% still applies)
Premier Bank Account	exclusive family benefits worldwide support services £1,000 daily ATM cash withdrawals ATM cash withdrawals outside the UK have no HSBC non-sterling cash fees (a non-sterling transaction fee of 2.75% still applies) Premier Relationship Management Service complimentary Worldwide Travel cover provided by Aviva Insurance Ltd, UK Resident under the age of 70

	Additional information
Bank Account	Financial eligibility criteria and terms and conditions apply.
Advance Bank Account	Financial eligibility criteria and terms and conditions apply.
Premier Bank Account	Financial eligibility criteria and terms and conditions apply.


Bank Account	View Bank Account
Advance Bank Account	View Advance Bank Account
Premier Bank Account	View Premier Bank Account

If we accept your request to defer your repayments, we’ll record this arrangement to make sure it doesn’t impact your credit file.

If you haven’t arranged to defer your repayments and you miss one, your credit file could be impacted. If you’re not able to make your repayments, please complete and submit our online form as soon as possible.

If we need to speak with you, or if your circumstances mean your credit file may be impacted, we’ll contact you to discuss your options.

Frequently asked questions

A joint account is a bank account you set up with another person to manage shared finances.

Both can access to the account to make or stop payments, usually without checking with the other person. Each is individually and jointly responsible for repaying any money if there's any borrowing on the account.

Yes, you can apply for a joint bank account online if it's your first account with HSBC.

If you already have an account with us, you'll need to pop into a branch together.

Yes, you can change your bank account to a joint account and add someone, so long as they qualify for the account.

Simply pop into a branch together to apply. Make sure you both bring along photo ID and proof of your address.

Yes, you can still switch bank accounts if you have a joint account.

To do this, you can either:

Use the Current Account Switch Service
Apply for a new HSBC joint account, which includes a switch option

The account holders must be the same for both accounts.

To open a joint account, you both need to be 18 or over and live in the UK.

1. EAR (Effective Annual Rate) takes account of the interest rate, the compounding of interest and how often interest is charged. It doesn’t include any other fees or charges. Back to our current accounts

2. APR (Annual Percentage Rate) is the rate at which someone who is borrowing money is charged, calculated over a period of 12 months. It takes into account not just the interest, but also any other charges that may have to be paid and any interest-free amount. Back to our current accounts

Find your perfect joint bank account

Why get a joint current account with HSBC?

Adding someone else to your existing current account

Our best current accounts for everyday banking

Our best current accounts for everyday banking

Frequently asked questions

What's a joint bank account?

Can I open a joint bank account online?

Can I change my bank account to a joint bank account?

Can I switch to another bank if I have a joint bank account?

Who can open a joint bank account?

Important information

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