Joint accounts explained
A joint account is a type of bank account where more than one person is responsible for the account and its management. Everyone named on the account has equal access to the joint bank account, but also equal responsibility. That means each person can take or spend everything in the account and will be equally liable for all the debts on it, such as an overdraft.
The current account application form provides you with the option to apply for the product as a sole account or a joint account. If you are an existing smile customer looking to transfer your account to joint names (not available for smilemore account), download our Sole to joint account form (PDF), complete it together and send it back to us.
If your circumstances change and you need to close down the account, you should let us know straight away. You can also transfer the account from a joint account to a sole account by filling out our Joint to sole account form (PDF) and sending it to:
smile
PO Box 4931
Swindon
SN4 4PL
Please note, both parties on the joint account will need to sign the form.