Best Joint Bank Accounts this March 2026 in the UK

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.

Yes, First Direct is a telephone and internet-based direct retail bank, a division of HSBC UK Bank plc, headquartered in Leeds, England.

The monthly fee for the First Direct 1st Account is £0.

Yes, you can 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.

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.

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.

Yes, Revolut is a fully regulated UK bank after receiving approval from the Prudential Regulation Authority (PRA) for a full banking licence.

Yes, HMRC can access your financial records from Revolut without your permission under Schedule 36 of the Finance Act 2008.

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.