1.Starling Bank Joint Account
Starling Bank
3.25% AER
£0
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Free, instant transaction notifications
Starling Bank Joint Account stands out as the top choice because it offers a competitive interest rate of 3.25% AER on balances up to £5,000, combined with no monthly fees and instant transaction notifications. This account is designed to simplify shared spending, making it ideal for couples or housemates looking to manage their finances together.
Pros:
- No monthly fees
- Competitive interest rate
Cons:
- Requires both individuals to have a personal account
2.First Direct 1st Account
First Direct
N/A
Get a £175 switching bonus when you open a First Direct 1st Account and complete a full switch using the Current Account Switch Service within 45 days.
£0
£1,000
What sets the First Direct 1st Account apart is its attractive £175 switching bonus for new customers, alongside access to a Regular Saver account offering a fixed rate of 7.00% AER for 12 months. This account is particularly appealing for those looking to maximize their savings while enjoying a straightforward banking experience.
Pros:
- £175 welcome bonus
- Access to high-interest savings account
Cons:
- Requires switching from another bank
3.Monzo Joint Account
Monzo
2.75% AER
£0
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The standout feature of the Monzo Joint Account is its user-friendly app that simplifies budgeting and shared expenses, making it a great choice for couples or housemates. While the standard interest rate is 2.75% AER, account holders can access higher rates with paid subscriptions, enhancing its appeal for those who want to earn more on their savings.
Pros:
- Instant spending notifications
- Easy budgeting tools
Cons:
- Limited interest rate without paid plans
4.Revolut Standard
Revolut
4.00% AER
New users can receive a £20 bonus for signing up and making a qualifying card purchase.
£0
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Free ATM withdrawals up to £200/month
Revolut Standard shines for its high interest rate of 4.00% AER on savings and fee-free spending in foreign currencies, making it an excellent option for frequent travelers. This account is particularly beneficial for those who want to manage their finances digitally without incurring monthly fees.
Pros:
- Fee-free spending in foreign currencies
- High interest rate on savings
Cons:
- Limited features compared to paid plans
5.Santander Everyday Current Account
Santander
N/A
Get £200 for switching your current account to Santander using the Current Account Switch Service.
£0
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Charges 2.95% on foreign currency transactions
The Santander Everyday Current Account is a straightforward option that offers a £200 switching bonus, making it attractive for new customers. While it does not pay interest, its lack of monthly fees and ease of use for everyday banking make it a solid choice for those looking for a hassle-free banking experience.
Pros:
- No monthly fee
- Switching bonus available
Cons:
- No interest paid on the account
Final Words
In conclusion, as you explore the best joint bank accounts in the UK this March 2026, remember to compare features, fees, and interest rates to find the option that best suits your financial partnership. Making an informed choice will help you manage your shared finances more effectively and enhance your overall banking experience.
Frequently Asked Questions
The top joint bank accounts in the UK this March 2026 are the Starling Bank Joint Account, offering a 3.25% AER with no monthly fees, and the First Direct 1st Account, which has no AER but also charges no monthly fees.
The Starling Bank Joint Account offers an interest rate of 3.25% AER on current account balances of up to £5000.
No, the First Direct 1st Account does not offer an AER (interest rate) but has no monthly fees.
The Monzo Joint Account offers an interest rate of 2.75% AER.
No, neither the Starling Bank Joint Account, First Direct 1st Account, nor the Monzo Joint Account charge any monthly fees.
When choosing a joint bank account, consider features such as interest rates, fees, ease of use, budgeting tools, and the ability to manage shared expenses effectively.
Yes, joint bank accounts in the UK are covered by the Financial Services Compensation Scheme (FSCS), which protects deposits up to £85,000 per person, per institution.
You can open a joint bank account with anyone, including friends, family, or a partner, as long as you both meet the bank's eligibility criteria.
