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Joint Current Account

Maintain a balance of £3 500 and qualify for a waiver on your monthly account fees

Published at 2025-05-22

Amount GBP Gross GBP AER
0 - 2499 0.00% 0.00%
2500 - 4999 0.00% 0.00%
5 000 - 9 999 0.00% 0.00%
10 000 - 24 999 0.00% 0.00%
25 000 - 49 999 0.00% 0.00%
50 000 - 99 999 0.00% 0.00%
100 000 - 249 999 0.00% 0.00%
250 000+ 0.00% 0.00%

Important information

  • You must apply for each product we describe individually. The grant of any product is subject to you meeting the qualifying criteria of that product.
  • Each product is bound by its terms and conditions. The terms and conditions are accepted by the applicant upon acceptance of the product and subsequent opening of the account.
  • The bank reserves the right to change the features and rates of any product at any time.
  • Rates are subject to change.

Standard terminology

  • Gross is the contractual interest rate payable without the deduction of any tax.
  • AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded yearly. This is the indicative rate.
  • Interest on Current Accounts, Call Accounts and 32 Day Notice Accounts is variable, and interest on Fixed Deposit Accounts is fixed.

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Qualifying criteria

  • Clients must be over the age of 18 and must reside in or originate from South Africa, Botswana, Namibia or the Channel Islands.
  • Clients who originate from but reside outside the above-mentioned countries must hold a qualifying retail banking relationship or investment relationship with FirstRand at the time of application. These clients could have migrated temporarily or permanently for reasons such as international assignment posting or emigration.
  • Our eligibility criteria exclude any individual who solely holds a non-resident bank account with FirstRand and does not come from South Africa, Botswana, Namibia or the Channel Islands. These individuals are also precluded from being added as joint account holders with eligible clients.
  • Clients who bank with FNB Namibia or FNB Botswana must hold a qualifying retail banking relationship.
  • Clients residing in the Bailiwick of Guernsey must either have sole annual earnings of £75 000, joint household earnings of £125 000 or a net asset value of £750 000.

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Documents needed

  • Completed application form
  • South African ID (SA citizens only) or a passport
  • Proof of residence (not older than three months)
  • Source of funds/wealth

View the required documents for the source of funds/wealth

Account application forms

Additional Joint account application form

Download statements on the FNB App or online

Joint Current Account

Our Joint Current Account provides up to 4 account holders with equal access to transact and maintain the account.

Our Joint Current Account provides up to 4 account holders with equal access to transact and maintain the account.

  • The Joint Current Account is available in GBP(£) only
  • Maximum of 4 persons to share equal access to transact and maintain the account
  • All joint members may be issued with an internationally accepted VISA debit card

Designed for day-to-day transactions

Pay no monthly account fees

Maintain a balance of £3 500 or more



Internationally accepted card

VISA Debit Cards are included with your account



World-class service and support

Via your Private Banker, Relationship Manager or our dedicated FNB Channel Islands Service Suite



Free subscription

Free Online Banking, inContact notifications and the FNB Channel Islands App



Earn tiered interest

On balances over £5 000.

Read more

Key Features and benefits

  • Account holders have the ability to earn higher interests with cumulative balances held jointly in a single account
  • Ability to pay jointly for your bills
  • Manage your funds with a single account
  • Download statements on the FNB App or online
  • InContact to track flow of funds

Important
information

All Joint Account holders are equally liable and responsible for:

  • Any debt incurred on the Joint Account.
  • Payments made to and from the account.

It is important that all Joint Account holders become familiar with the terms and conditions.

Applying made easy

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Qualifying criteria

Documents needed


Contact your Private Banker or Relationship Manager

FirstRand Bank Limited Guernsey Branch trading as FNB Channel Islands is regulated by The Guernsey Financial
Services Commissionand licensed under The Banking Supervision (Bailiwick of Guernsey) Law, 2020

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