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Existing customers
Make a change to your account
Remove an account holder
What you need to know
Removing someone from your account means your account will change from a 'joint account' to a 'sole account'. You can do this by submitting a request online.
The person remaining on the account will need to start the request, we’ll then email the person you want to remove and ask them to confirm they are happy to be removed from the account. They'll need access to the mobile app to provide their consent.
If you have an overdraft limit we will need to complete affordability checks which may increase the time taken to progress the application and which may result in a reduction or removal of your overdraft limit based on the account being in a sole name.
What you'll need
- You will need to have access to our mobile app.
- The person you're removing will also need to have access to our mobile app to complete the request
Step-by-step guide
- You must submit your request via our online application form which is accessed via the mobile app.
- Select the account in the app and then scroll down to account settings, then select remove a person.
- Once you've reviewed the information, select the option relevant to you. This will either be starting the request to remove someone from your joint account, or consenting to be removed from an account if you've received an email requesting this.
- Check and complete the form, this will be prefilled for you.
- Once we have received the consent from the joint party to be removed, we'll action the request within 3-5 working days. If you have an overdraft, this may take slightly longer as we'll need to re-confirm affordability.
Add an account holder
What you need to know
Adding someone to your account means your 'sole account' will become a 'joint account’ and both account holders will have equal ownership of any funds or overdrafts. It's important to consider this before adding someone, as you won't be able to remove them in future without their consent.
You can only add someone to your account by submitting a request via our mobile app. Please note, you'll need their consent. This means we’ll ask you for their email address so we can contact them to confirm they are happy to be added to the account.
What they'll need to provide
- Photo ID, such as a driving licence, passport or EU ID card.
- A selfie to compare to their photo ID.
- Proof of address, such as a driving license, utility bill, bank statement or tax document.
Step-by-step guide
- You must submit your request via our online application platform which is accessed via the mobile app.
- Click the link below to our joint account page and follow the steps to complete your request.
- The person you're adding will then receive an email from us with another online application form to confirm they're happy to be added.
- Once this has been completed, we'll action the request within 3-5 working days. If you have an overdraft, this may take slightly longer as we'll need to re-confirm affordability.
Please note that you can't add a person to the following accounts:
uFirst Gold, uFirst Private, Savings, Student or Adapt account
Frequently asked questions
A joint account allows more than one person to operate the account. This is convenient when you have joint bills to pay and you need to give each other access to your account.
If your personal circumstances change you may decide to remove someone from your joint account. Only you then have access to your account once the joint account holder is removed.
You can follow this process for most instant access savings and current accounts. If you can't see the remove a person option you may need to visit your local branch to complete this process.
The option to remove a person will not be available if you have an active Travel account on the account, this will need to be closed before you can request to remove a person.
You can only add one person to your account. They must be 18+ and a UK resident. You can only submit an online request if you're adding someone to a Select or Foundation current account.
You cannot add a party to a uFirst Gold, Private, uFirst Private, Student, Adapt or Savings Account.
As part of the application you will be asked to complete an affordability check. This may result in a reduction or removal of your overdraft limit based on the account being in a sole name.
- If your overdraft limit needs to be removed, you will need to pay any outstanding balance back first.
- If your overdraft limit needs to be reduced, your overdraft balance must be less than the new limit.
- You cannot remove someone from your account if you're over your arranged overdraft limit or overdrawn without an agreed limit. You'll need to return your account to a zero balance or credit.
This may also increase the time taken to process your application.
To help get you started with our online process, read our handy Mitek guide for tips on how to upload your documents.
Take a look at our Savings account options where you'll be able to open a joint savings account with us.
Unfortunately, this isn’t possible. Our joint bank accounts are only available between a maximum of two parties.
If you have a Select account with us and need to add more than one party for the purposes of an Executor account, please visit your local branch who will be able to help.
Current accounts