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Taking partners name off joint acc

edited 30 November -1 at 12:00AM in Budgeting & Bank Accounts
9 replies 435 views
barbedhookbarbedhook Forumite
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edited 30 November -1 at 12:00AM in Budgeting & Bank Accounts
Can I make our joint acc into a sole acc for me without going into branch

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  • DCFC79DCFC79 Forumite
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    barbedhook wrote: »
    Can I make our joint acc into a sole acc for me without going into branch


    I think you have to go into branch or you both need to go to get it done.


    Why not ask the bank to be sure.
  • colstencolsten Forumite
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    Easiest is probably to close the joint account and to get yourself a new sole one. I am 99.99% certain that both account holders need to agree to the closure, and it is quite possible that you can only do that in Branch. You need to check your T&Cs.
  • born_againborn_again Forumite
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    Certainly will need both parties to either close or remove one from the account. As to going into branch. I would think most would do it over the phone, so long as you both can clear security.
    Family is for life not just Christmas
  • POPPYOSCARPOPPYOSCAR Forumite
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    I had a joint account with an ex.

    The bank refused to let me close it without his signature even though I was the only signatory to the account.

    I just withdrew all the funds in there and left it.

    The bank ended up closing it themselves as an inactive account.
  • DCFC79DCFC79 Forumite
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    born_again wrote: »
    Certainly will need both parties to either close or remove one from the account. As to going into branch. I would think most would do it over the phone, so long as you both can clear security.


    Agreed, OP just needs to ring the bank and ask, they will advise them if it could be done over the phone or sign a form and post it or required to go in branch.
  • davethorpdavethorp Forumite
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    I went through this a few years ago

    With the accounts we closed both of us had to be present at the bank to close it down

    One account was not closed but converted to her sole name. Again we both had to be present at the bank although part of that may have been that the account was overdrawn and she had to agree to take it solely on before my name could be removed from it

  • Cmdr_BondCmdr_Bond Forumite
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    barbedhook wrote: »
    Can I make our joint acc into a sole acc for me without going into branch

    With Santander I had to go into branch.


    Luckily my wife could come in with me, as ideally they want 2 signatures (I wanted to keep the account open)

    It's a lot more difficult I'm "messy" situations
    Not as green as I am cabbage looking
  • jonesMUFCforeverjonesMUFCforever Forumite
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    A lot will depend on the state of the account.
    If it is overdrawn, they will not do it unless the account holder that is staying on the account has credit worthiness to be able to take on the overdraft in their own name.
  • I've recently taken my ex's name off our joint account just by phoning up and answering security questions. However, they could see that the account hadn't been used in a long time which may have been why I didn't need to go into branch.
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