How do I add someone to my account to make it a joint account?
You’ll need to visit one of our branches with the person you want to add. If they don’t already bank with us, they’ll need to bring proof of identity with them.
Sharing your finances with someone can be convenient…
Either or both of you can pay money into the account – it’s up to you.
You can both use the account in the same way you’d use a sole account. You can both use our branches, cash machines, the Barclays app, Online Banking and Telephone Banking. For example, you can each:
Pay in or withdraw cash
Have a debit card for the account
Set up Direct Debits and standing orders
Apply for an overdraft
Ask to close the account or remove yourself from it.
… but you need to know what sharing your finances can mean
Before you choose a joint account, make sure you’re happy that:
If the account is overdrawn, each of you is responsible for the whole debt – it doesn’t matter who spent the money
Either of you can make withdrawals, set up arranged overdrafts or close the account on your own – the other person doesn’t have to know or give permission
Your credit file will be linked to the other account holder’s credit file – which means a lender could take their credit history into account when they make a decision about you.
You don’t need a joint account to let someone use your account
You can add someone to your account in different ways, depending on what they need to use it for. For example:
You can ask someone you trust to be an account supervisor or additional cardholder. You’ll stay in control and can set limits on what they can do
A third-party authority is a temporary agreement between you and someone you trust to access your bank accounts with us on your behalf.
It’s a good idea to look at all of these before making a decision.
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