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  • FIRST POST
    • barbedhook
    • By barbedhook 14th Jan 20, 2:27 PM
    • 111Posts
    • 42Thanks
    barbedhook
    Taking partners name off joint acc
    • #1
    • 14th Jan 20, 2:27 PM
    Taking partners name off joint acc 14th Jan 20 at 2:27 PM
    Can I make our joint acc into a sole acc for me without going into branch
Page 1
    • DCFC79
    • By DCFC79 14th Jan 20, 2:31 PM
    • 35,622 Posts
    • 22,488 Thanks
    DCFC79
    • #2
    • 14th Jan 20, 2:31 PM
    • #2
    • 14th Jan 20, 2:31 PM
    Can I make our joint acc into a sole acc for me without going into branch
    Originally posted by barbedhook

    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
    • By colsten 14th Jan 20, 2:40 PM
    • 11,661 Posts
    • 11,036 Thanks
    colsten
    • #3
    • 14th Jan 20, 2:40 PM
    • #3
    • 14th Jan 20, 2:40 PM
    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
    • By born again 14th Jan 20, 3:20 PM
    • 1,367 Posts
    • 759 Thanks
    born again
    • #4
    • 14th Jan 20, 3:20 PM
    • #4
    • 14th Jan 20, 3:20 PM
    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.
    • POPPYOSCAR
    • By POPPYOSCAR 14th Jan 20, 3:25 PM
    • 13,188 Posts
    • 29,715 Thanks
    POPPYOSCAR
    • #5
    • 14th Jan 20, 3:25 PM
    • #5
    • 14th Jan 20, 3:25 PM
    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
    • By DCFC79 14th Jan 20, 4:56 PM
    • 35,622 Posts
    • 22,488 Thanks
    DCFC79
    • #6
    • 14th Jan 20, 4:56 PM
    • #6
    • 14th Jan 20, 4:56 PM
    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.
    Originally posted by born again

    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
    • By davethorp 14th Jan 20, 7:41 PM
    • 1,517 Posts
    • 1,109 Thanks
    davethorp
    • #7
    • 14th Jan 20, 7:41 PM
    • #7
    • 14th Jan 20, 7:41 PM
    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
    • By Cmdr_Bond 14th Jan 20, 10:02 PM
    • 579 Posts
    • 767 Thanks
    Cmdr_Bond
    • #8
    • 14th Jan 20, 10:02 PM
    • #8
    • 14th Jan 20, 10:02 PM
    Can I make our joint acc into a sole acc for me without going into branch
    Originally posted by barbedhook
    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
    • By jonesMUFCforever 14th Jan 20, 11:34 PM
    • 26,347 Posts
    • 13,519 Thanks
    jonesMUFCforever
    • #9
    • 14th Jan 20, 11:34 PM
    • #9
    • 14th Jan 20, 11:34 PM
    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.
    What goes around - comes around
    give lots and you will always receive lots
    • Nic246
    • By Nic246 16th Jan 20, 11:07 AM
    • 20 Posts
    • 5 Thanks
    Nic246
    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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