Managing bills, saving for shared goals or just splitting the dinner tab: it’s easier with a joint account. Earn 3.25% AER / 3.19% Gross (variable) interest on balances up to £5,000.
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.
House deposit? Or just dog toys? Whatever you’re saving for, combine your efforts with a joint Saving Space. Add a picture, set targets, and track your progress – together.
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.
*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.
Opening a joint account is easy – and all online. Do either of you bank with Starling already?
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.
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.
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.
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.
It goes without saying that a joint account is for people who know each other pretty well. 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.
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.
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.
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’.
Both account holders; both can make deposits and withdrawals.
Two Starling personal account customers can apply for a joint account in minutes, without filling out any paperwork.
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.
Both you and the other account holder will need to get in touch with us individually to confirm that you’d both like to close the account.
