Taking partners name off joint acc

Options
barbedhook
barbedhook Posts: 167 Forumite
First Anniversary First Post
in Budgeting & bank accounts
Can I make our joint acc into a sole acc for me without going into branch

Comments

  • DCFC79
    DCFC79 Posts: 40,598 Forumite
    Name Dropper First Anniversary First Post
    Options
    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.
  • colsten
    colsten Posts: 17,597 Forumite
    First Anniversary Photogenic Name Dropper First Post
    Options
    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_again
    born_again Posts: 14,448 Forumite
    First Anniversary First Post Name Dropper
    Options
    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.
    Life in the slow lane
  • POPPYOSCAR
    POPPYOSCAR Posts: 14,897 Forumite
    First Anniversary Name Dropper First Post
    Options
    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.
  • DCFC79
    DCFC79 Posts: 40,598 Forumite
    Name Dropper First Anniversary First Post
    Options
    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.
  • davethorp
    davethorp Posts: 1,577 Forumite
    First Post First Anniversary
    Options
    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_Bond
    Cmdr_Bond Posts: 624 Forumite
    Name Dropper First Post First Anniversary
    Options
    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
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Name Dropper First Post First Anniversary
    Options
    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.
  • Nic246
    Nic246 Posts: 20 Forumite
    Options
    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.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.2K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.3K Work, Benefits & Business
  • 608.1K Mortgages, Homes & Bills
  • 173.1K Life & Family
  • 247.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards