{"id":1466,"date":"2025-10-03T07:28:11","date_gmt":"2025-10-03T07:28:11","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/knowledge\/banking\/joint-business-account-for-small-businesses\/"},"modified":"2026-03-31T14:52:37","modified_gmt":"2026-03-31T14:52:37","slug":"joint-business-account-for-small-businesses","status":"publish","type":"knowledge","link":"https:\/\/www.simplybusiness.co.uk\/knowledge\/banking\/joint-business-account-for-small-businesses\/","title":{"rendered":"The best joint business account for small businesses (2025)"},"content":{"rendered":"\n<div id=\"cg_test_pre_gate\" class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\">If you run your business with other people, you may want to consider opening a joint business bank account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A joint account can make it easier for you and your business partners to manage your finances. Read on for a look at some of the most popular joint bank accounts for small businesses \u2013 plus:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"#what\">What is a joint account for business?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#best\">Best joint business accounts<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#who\">Who can open a joint business account?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#pros\">Pros of a joint business account<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#cons\">Cons of a joint business account<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"#how\">How to open a joint business account<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#roles\">Joint business account \u2013 agree your roles<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#alternatives\">Alternatives to a joint business account<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#takeaways\">Key takeaways \u2013 joint business accounts<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#faqs\">Joint business bank account FAQs<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what\">What is a joint account for business?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Much like a personal bank account, a joint business account allows several people to deposit and A joint business account is a bank account shared between two or more business owners. Each named account holder has access to the funds, can make payments, and can manage day-to-day banking.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This type of account is most common in partnerships or multi-director companies, where financial management needs to be collaborative.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-a-partnership-business-bank-account\">What is a partnership business bank account?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You may also see joint accounts called partnership business accounts or joint venture accounts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A partnership business account refers to the partnership business structure.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A business partnership is where several partners share the responsibility for a business. Read our guide to <a href=\"\/knowledge\/business-structure\/what-is-a-general-business-partnership\/\" data-type=\"knowledge\" data-id=\"938\">general business partnerships<\/a> for more information.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"best\"><strong>Which bank has the best joint business account?<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group is-layout-grid wp-container-core-group-is-layout-bb635f66 wp-block-group-is-layout-grid\">\n<p class=\"wp-container-content-e269605d wp-block-paragraph\"><strong>Bank<\/strong><\/p>\n\n\n\n<p class=\"wp-container-content-e269605d wp-block-paragraph\"><strong>Fees<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key features<\/strong><\/p>\n\n\n\n<p class=\"wp-container-content-e269605d wp-block-paragraph\"><strong>Other information<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-grid wp-container-core-group-is-layout-bb635f66 wp-block-group-is-layout-grid\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<figure class=\"wp-block-image size-full is-resized has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/09\/Starling200px@2x.png\" alt=\"\" class=\"wp-image-41952\" style=\"border-top-color:var(--wp--preset--color--white);border-top-style:none;border-top-width:0px;border-right-color:var(--wp--preset--color--white);border-right-style:none;border-right-width:0px;border-bottom-color:var(--wp--preset--color--white);border-bottom-style:none;border-bottom-width:0px;border-left-style:none;border-left-width:0px;width:142px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/09\/Starling200px@2x.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/09\/Starling200px@2x.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n\n\n\n<p class=\"wp-container-content-e29552f7 wp-block-paragraph\"><a href=\"https:\/\/uk.virginmoney.com\/business\/savings\/product\/business-access\/\" rel=\"noopener noreferrer\" target=\"_blank\"><\/a><strong><a href=\"https:\/\/www.starlingbank.com\/apply\/\" rel=\"noopener noreferrer\" target=\"_blank\">Starling<\/a><\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"has-text-align-left has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-4bf156fa22f58b74f46716326a2446cc wp-block-paragraph\">No monthly fee or bank transfer fee<\/p>\n\n\n\n<p class=\"has-text-align-left has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-f7e754bdb29baa6ab9bc8276791cc93e wp-container-content-e269605d wp-block-paragraph\">Shared app access and individual cards for partners<\/p>\n\n\n\n<p class=\"has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-cd75ad7357de533548388d317ea42fd1 wp-block-paragraph\">Directors will need to be UK residents, paid options available for international businesses<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-grid wp-container-core-group-is-layout-bb635f66 wp-block-group-is-layout-grid\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<figure class=\"wp-block-image size-full is-resized has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/09\/HSBC200px@2x.png\" alt=\"\" class=\"wp-image-41966\" style=\"border-top-color:var(--wp--preset--color--white);border-top-style:none;border-top-width:0px;border-right-color:var(--wp--preset--color--white);border-right-style:none;border-right-width:0px;border-bottom-color:var(--wp--preset--color--white);border-bottom-style:none;border-bottom-width:0px;border-left-style:none;border-left-width:0px;width:142px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/09\/HSBC200px@2x.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/09\/HSBC200px@2x.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n\n\n\n<p class=\"wp-container-content-e29552f7 wp-block-paragraph\"><b><a href=\"https:\/\/www.business.hsbc.uk\/en-gb\/products-and-solutions\/business-accounts\" rel=\"noopener noreferrer\" target=\"_blank\">H<\/a><\/b><strong><a href=\"https:\/\/www.business.hsbc.uk\/en-gb\/products-and-solutions\/business-accounts\" rel=\"noopener noreferrer\" target=\"_blank\">SBC<\/a><\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"has-text-align-left has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-7202ec30d1ae2294c717d2e47c4d61ac wp-block-paragraph\">From free<\/p>\n\n\n\n<p class=\"has-text-align-left has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-38027219b5d20ae84c3d91bb66f8b977 wp-container-content-e269605d wp-block-paragraph\">More than one person can manage your account<\/p>\n\n\n\n<p class=\"has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-7e4b8ea6cacb7bd885100bcf8137705f wp-block-paragraph\">Access to free accounting tools<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-grid wp-container-core-group-is-layout-bb635f66 wp-block-group-is-layout-grid\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<figure class=\"wp-block-image size-full is-resized has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/09\/Santander200px@2x.png\" alt=\"\" class=\"wp-image-41960\" style=\"border-top-color:var(--wp--preset--color--white);border-top-style:none;border-top-width:0px;border-right-color:var(--wp--preset--color--white);border-right-style:none;border-right-width:0px;border-bottom-color:var(--wp--preset--color--white);border-bottom-style:none;border-bottom-width:0px;border-left-style:none;border-left-width:0px;width:142px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/09\/Santander200px@2x.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/09\/Santander200px@2x.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n\n\n\n<p class=\"wp-container-content-e29552f7 wp-block-paragraph\"><a href=\"https:\/\/www.santander.co.uk\/business\/current-accounts\/business-current-account-classic\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>Santander<\/strong><\/a><\/p>\n<\/div>\n\n\n\n<p class=\"has-text-align-left has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-4d82c073f2773f5300b813d8054a24cc wp-container-content-e269605d wp-block-paragraph\">No fees for the first 12 months, \u00a39.99 after<\/p>\n\n\n\n<p class=\"has-text-align-left has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-a9b6d5f9863209f59083d639e6bd4c54 wp-container-content-e269605d wp-block-paragraph\">Must have a maximum for 2 directors<\/p>\n\n\n\n<p class=\"has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-274d4b07c1e4e437ec1f2819d8b0df93 wp-container-content-e269605d wp-block-paragraph\">Option for a business overdraft of up to \u00a325,000<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-grid wp-container-core-group-is-layout-bb635f66 wp-block-group-is-layout-grid\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<figure class=\"wp-block-image size-full is-resized has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/09\/Barclays200px@2x.png\" alt=\"\" class=\"wp-image-41965\" style=\"border-top-color:var(--wp--preset--color--white);border-top-style:none;border-top-width:0px;border-right-color:var(--wp--preset--color--white);border-right-style:none;border-right-width:0px;border-bottom-color:var(--wp--preset--color--white);border-bottom-style:none;border-bottom-width:0px;border-left-style:none;border-left-width:0px;width:142px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/09\/Barclays200px@2x.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/09\/Barclays200px@2x.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n\n\n\n<p class=\"wp-container-content-e29552f7 wp-block-paragraph\"><strong><a href=\"https:\/\/www.barclays.co.uk\/business-banking\/accounts\/\" rel=\"noopener noreferrer\" target=\"_blank\">Barclays<\/a><\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"has-text-align-left has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-6c4c22867fb3916de8ace1331150719b wp-container-content-e269605d wp-block-paragraph\">No fees for the first 12 months, \u00a38.50 after<\/p>\n\n\n\n<p class=\"has-text-align-left has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-7733ce8ade73302b99fc0d1180c41a84 wp-container-content-e269605d wp-block-paragraph\">All account holders can manage the business finances<\/p>\n\n\n\n<p class=\"has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-0d6f9aa1e71e76c1070e370c3a865286 wp-container-content-e269605d wp-block-paragraph\">Access to business support from Eagle Labs<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-grid wp-container-core-group-is-layout-bb635f66 wp-block-group-is-layout-grid\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<figure class=\"wp-block-image size-full is-resized has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"945\" height=\"252\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/10\/countingup-logo.png\" alt=\"\" class=\"wp-image-42431\" style=\"border-top-color:var(--wp--preset--color--white);border-top-style:none;border-top-width:0px;border-right-color:var(--wp--preset--color--white);border-right-style:none;border-right-width:0px;border-bottom-color:var(--wp--preset--color--white);border-bottom-style:none;border-bottom-width:0px;border-left-style:none;border-left-width:0px;width:142px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/10\/countingup-logo.png 945w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/10\/countingup-logo.png?resize=800,213 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/10\/countingup-logo.png?resize=768,205 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/10\/countingup-logo.png?resize=150,40 150w\" sizes=\"auto, (max-width: 945px) 100vw, 945px\" \/><\/figure>\n\n\n\n<p class=\"wp-container-content-e29552f7 wp-block-paragraph\"><strong><a href=\"https:\/\/countingup.com\/\" rel=\"noopener noreferrer\" target=\"_blank\">Countingup<\/a><\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"has-text-align-left has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-c8c961e3f554b65039825984445c4d68 wp-container-content-e269605d wp-block-paragraph\">\u00a33 monthly fee and 30p transfer fee<\/p>\n\n\n\n<p class=\"has-text-align-left has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-b608c4fc59b8d1b0773879dde1d8bb15 wp-container-content-e269605d wp-block-paragraph\">Integrated bookkeeping, invoicing, and tax calculation with day-to-day banking<\/p>\n\n\n\n<p class=\"has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-cdb685325892f361e8651ad83efa4984 wp-container-content-e269605d wp-block-paragraph\">No arranged overdraft option<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-grid wp-container-core-group-is-layout-bb635f66 wp-block-group-is-layout-grid\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<figure class=\"wp-block-image size-full is-resized has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"145\" height=\"32\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/10\/Revolut_logo.svg\" alt=\"\" class=\"wp-image-42430\" style=\"border-top-color:var(--wp--preset--color--white);border-top-style:none;border-top-width:0px;border-right-color:var(--wp--preset--color--white);border-right-style:none;border-right-width:0px;border-bottom-color:var(--wp--preset--color--white);border-bottom-style:none;border-bottom-width:0px;border-left-style:none;border-left-width:0px;width:142px;height:auto\"\/><\/figure>\n\n\n\n<p class=\"wp-container-content-e29552f7 wp-block-paragraph\"><strong><a href=\"https:\/\/www.revolut.com\/business\/\" rel=\"noopener noreferrer\" target=\"_blank\">Revolut<\/a><\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"has-text-align-left has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-129f36a637e7028d789c01b74a259433 wp-container-content-e269605d wp-block-paragraph\">From \u00a310 a month<\/p>\n\n\n\n<p class=\"has-text-align-left has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-74083f196a4d8ac324af514eea399b9d wp-container-content-e269605d wp-block-paragraph\">Accounting and HR software integration<\/p>\n\n\n\n<p class=\"has-azure-600-color has-text-color has-link-color has-xsmall-font-size wp-elements-44f17333a62339933ab036185f20ba8e wp-container-content-e269605d wp-block-paragraph\">Not a specific joint account \u2013 but you can add team members to a regular business account<\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"who\"><strong>Who can open a joint business account?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Eligibility varies by bank, but typically:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">business partnerships, LLPs, or limited companies with multiple directors<\/li>\n\n\n\n<li class=\"wp-block-list-item\">freelancers or <a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/starting-out\/sole-trader-vs-limited-company\/\" data-type=\"knowledge\" data-id=\"1532\">sole traders<\/a> <strong>cannot<\/strong> open a joint business account (unless in partnership)<\/li>\n\n\n\n<li class=\"wp-block-list-item\">all applicants usually need to pass identity and credit checks<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-30c80bf8 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;margin-top:var(--wp--preset--spacing--90);margin-bottom:var(--wp--preset--spacing--90);padding-top:var(--wp--preset--spacing--90);padding-right:var(--wp--preset--spacing--90);padding-bottom:var(--wp--preset--spacing--90);padding-left:var(--wp--preset--spacing--90)\">\n<h2 class=\"wp-block-heading\" id=\"pros\"><strong>Pros of a joint business account<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Opening a joint account can offer several benefits:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><strong>transparency \u2013 <\/strong>all partners can see incomings and outgoings, reducing misunderstandings<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>shared responsibility \u2013<\/strong> financial admin tasks can be divided<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>professional image \u2013<\/strong> paying suppliers or receiving payments from a business account can look more credible than using personal accounts<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>simplified tax reporting \u2013<\/strong> clearer separation of personal and business finances<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cons\"><strong>Cons of a joint business account<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><strong>shared liability \u2013 <\/strong>all account holders are equally responsible for overdrafts, fees, or debts<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>disagreements \u2013<\/strong> differing views on spending could create conflict<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>risk of misuse \u2013<\/strong> if trust breaks down, funds could be withdrawn without agreement<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>credit implications \u2013<\/strong> late payments or poor account management can affect all owners\u2019 credit records<\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how\"><strong>How to open a joint business account<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For most banks, you&#8217;ll need to follow a similar process:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><strong>Research providers \u2013<\/strong> compare fees, digital features, and customer service<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>Gather documents \u2013<\/strong> such as proof of ID, proof of address, and <a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/starting-out\/how-to-register-with-companies-house\/\" data-type=\"knowledge\" data-id=\"850\">business registration<\/a> documents<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>Apply online or in-branch <\/strong>\u2013 <a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/banking\/best-challenger-bank-for-business\/\" data-type=\"knowledge\" data-id=\"923\">challenger banks<\/a> will likely allow you to apply online, while traditional banks may require you to visit a branch<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>Set account permissions \u2013 <\/strong>decide whether all owners need to authorise transactions (known as \u2018dual authorisation\u2019) or whether one can act independently<\/li>\n<\/ol>\n<\/div>\n\n\n\n<div id=\"cg_test_gate\" class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow cg_test_gate\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"852\" width=\"1024\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/10\/Joint-vs-Individual-Accounts_Infographic.png?w=1024\" alt=\"Graphic showing the differences between joint vs individual business bank accounts for small business owners\" class=\"wp-image-42481\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/10\/Joint-vs-Individual-Accounts_Infographic.png 1500w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/10\/Joint-vs-Individual-Accounts_Infographic.png?resize=800,665 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/10\/Joint-vs-Individual-Accounts_Infographic.png?resize=768,639 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/10\/Joint-vs-Individual-Accounts_Infographic.png?resize=1024,852 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/10\/Joint-vs-Individual-Accounts_Infographic.png?resize=1536,1278 1536w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/10\/Joint-vs-Individual-Accounts_Infographic.png?resize=2048,1703 2048w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/10\/Joint-vs-Individual-Accounts_Infographic.png?resize=150,125 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"roles\">Joint business account \u2013 agree your roles<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When you open a joint bank account with your business partners, it can share the load of managing your business finances.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However before you start using the account, it\u2019s important that you agree roles and responsibilities to make sure everything runs smoothly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some of the things you\u2019ll need to consider are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">choosing a main administrator for the account<\/li>\n\n\n\n<li class=\"wp-block-list-item\">agreeing who can withdraw funds and make transfers<\/li>\n\n\n\n<li class=\"wp-block-list-item\">having a plan in the event the business closes or a partner leaves<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"alternatives\"><strong>Alternatives to a joint business account<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re not sure a joint account is right for you, consider:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">separate accounts with shared <a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/business-tax\/best-small-business-accounting-software-uk\/\" data-type=\"knowledge\" data-id=\"1262\">bookkeeping tools<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\">business credit cards with spending limits for each user<\/li>\n\n\n\n<li class=\"wp-block-list-item\">dual-signature approval features (offered by some banks for higher security)<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group has-azure-300-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-a0af75fe wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--90);padding-right:var(--wp--preset--spacing--90);padding-bottom:var(--wp--preset--spacing--90);padding-left:var(--wp--preset--spacing--90)\">\n<h2 class=\"wp-block-heading\" id=\"takeaways\"><strong>Key takeaways \u2013 joint business accounts<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">a joint business account can streamline finances and improve transparency, but also carries risks<\/li>\n\n\n\n<li class=\"wp-block-list-item\">partnerships and multi-owner businesses should weigh the benefits of joint accounts against the potential for conflict and liability<\/li>\n\n\n\n<li class=\"wp-block-list-item\">before deciding, comparing providers carefully and consider whether alternative solutions may be safer for your business structure<\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faqs\"><strong>Joint business bank account FAQs<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Can sole traders open a joint business bank account?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No, sole traders can only open individual business accounts unless they formally register a partnership.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What are the risks of a joint business account?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The risks of a joint business account mean that all account holders share equal liability for fees, overdrafts, and debts. Disagreements or misuse can also strain business relationships.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How do I open a joint business bank account?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You\u2019ll need to compare banks, provide ID and business documents, complete an application, and decide on account permissions such as dual authorisation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Are there alternatives to joint business accounts?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, alternatives to joint business accounts include separate business accounts with shared bookkeeping software, business credit cards with spending limits, or accounts requiring dual signatures.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-more-finance-guides-for-small-businesses\">More finance guides for small businesses<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a data-type=\"knowledge\" data-id=\"22720\" href=\"\/knowledge\/funding\/best-small-business-loans\/\">7 of the best business loans compared<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/funding\/small-business-funding-and-investment\/\" data-type=\"knowledge\" data-id=\"18378\">How to find investors for a business \u2013 3 ways to try<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/income\/what-is-zero-based-budgeting\/\" data-type=\"knowledge\" data-id=\"1589\">What is zero-based budgeting \u2013 and can it save your business money?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/faq\/difference-between-public-liability-and-employers-liability\/\" data-type=\"page\" data-id=\"575\" >Public liability insurance vs employers liability insurance<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n\n\n\n<div id=\"nba-upsell-001\" class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-94e519ba wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--40)\">\n<h3 class=\"wp-block-heading has-text-align-center\">Ready to set up your cover?<\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">As one of the UK&#8217;s biggest <a href=\"\/business-insurance\/\" data-type=\"page\" data-id=\"5152\">business insurance<\/a> providers, we specialise in <a href=\"\/business-insurance\/public-liability-insurance\/\" data-type=\"page\" data-id=\"734\" >public liability insurance<\/a> and protect more trades than anybody else. Why not take a look now and build a quick, tailored quote?<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/business\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"nba-body-end\">\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Discover the pros, cons, and alternatives of joint business accounts for small businesses.<\/p>\n","protected":false},"author":3,"featured_media":2757,"comment_status":"open","ping_status":"closed","template":"","meta":{"sb_hreflang":"","sb_hreflang_url":"","disable_breadcrumbs":false,"sb_breadcrumbs":[],"sb_reviewed_by":"","sb_review_date":"","sb_enable_content_gating":true,"footnotes":""},"categories":[356],"hidden-category":[],"coauthors":[24],"class_list":["post-1466","knowledge","type-knowledge","status-publish","has-post-thumbnail","hentry","category-banking"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The best joint business account for small businesses (2025)<\/title>\n<meta name=\"description\" content=\"Discover the pros, cons, and alternatives of joint business accounts for small businesses. 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