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Ulster Bank Current Accounts

Joint bank accounts

Joint account cards

What is a joint bank account?

In most ways, a joint bank account is the same as having your own, except two people have control over the account. It's great for couples, trusted friends or family members, who want to share part of their banking.

Both people can pay in, make payments from the account.  Both parties are also responsible for any arranged overdraft (subject to approval..)

It'll give you a Contactless Debit Card each. You'll also be able to manage your joint bank account together using our Mobile Banking app, or via Anytime Banking.

What current accounts can I open or make joint?

To make an account joint you will be required to open one or have one of the following accounts in your sole name and then request to add someone

Ulster Bank Select - our basic everyday banking account with the features you'd expect from a standard account, and no fee. 

Premier bank accounts - Private Current Account, these accounts provide benefits for higher net worth customers to help you get the most from your finances

Student and Adapt (child) accounts are sole ownership accounts only, we are therefore unable to make these joint.

 

Setting up a joint bank account online

When setting up a joint account with us, you'll need to either add the new person to an existing current account you have OR create a new account.

Thinking of switching your bank account to us?

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Current Account Switch Service work?

Frequently asked questions

Get ready to apply

We need to do a few final checks with you. They'll only take a minute.

We currently can’t add a new person to bank accounts that use “Travel account”.

What would you like to do today?

Important information

Adding an account holder to your account will mean your account will now function as a 'joint account'.

You can't use this online form to add a person to your:

  • uFirst Gold, Private, uFirst Private, Savings Account, Student or Adapt current account

Both account holders will have equal ownership of any funds or overdrafts held in the joint account. It's important you consider this when adding someone to your account, as you won't be able to remove them in future without their consent.

You're all set

Proof of ID will be needed from both of you. You'll need:

  • A selfie (from the front and side profile)
  • Photo ID, such as Driving Licence, Passport or EU ID card

Look out for an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Important information

To remove a person from your account you'll need their consent.

You're all set

Proof of ID will be needed from both of you. You'll need:

  • A selfie (from the front and side profile)
  • Photo ID, such as Driving Licence, Passport or EU ID card

Look out for an email from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.