Which online bank should you choose to open a joint account?

A digital bank is well suited to opening such an account. Customers benefit from essential banking services without having to go to a branch. Added to this time saving is the appeal of simple budget management, thanks to features tailored to the clientele.

Who can open a joint account online?

For household expenses, many couples choose this arrangement. It allows to share a bank account and a card between two account holders, while preserving each person's budgetary autonomy. Both remain jointly responsible for the transactions carried out. A joint account is also used to finance a major purchase to which each co-signer contributes. Some roommates also appreciate the advantages of this solution. Online banking and joint accounts are compatible concepts: in a few clicks, the formalities are completed and the account holders can carry out their banking transactions without delay.

Options for different budgets

Depending on the intended use for their Hello bank! joint account and their budget, subscribers can choose between two offers.

Hello One Duo

This free solution, provided the card is used within the month, is available without income requirements. Each account holder has their own bank card. This immediate-debit payment method allows systematic checking of the available balance. Card withdrawals are free at BNP Paribas and Cash Services ATMs.

Hello Prime Duo

More comprehensive, this plan requires a certain income threshold. In addition, Hello Prime Duo becomes free as of 1 October 2026. To benefit from it, the signatories must deposit €1,500 per month into their joint account. Otherwise, they will have to pay €9 per month to enjoy Hello Prime Duo services. Again, each joint account holder has their own bank card, with immediate debit and balance verification. Each person is entitled to one physical card and another virtual one upon opening the shared account. These payment methods include insurance. Becoming a Hello Prime Duo customer also provides access to premium services.

How to open a joint account?

Signing up online for an offer with no income requirements or for a more selective product is very fast. Digitized procedures save time, especially for submitting documents and completing the necessary steps:

• A form of identification.
• Proof of address.
• An initial deposit of €10 to €300 to activate the Hello bank! joint account.

Future customers can also speed up the process via the bank mobility service. Their receiving bank takes care of transferring transfers, direct debits and funds from their old joint account to the new one.

Managing a budget together proves easier with an online joint account. For certain banking operations, the unanimous agreement of the account holders is required. Thanks to tailor-made offers, these customers are autonomous, but can be supported by attentive advisors whenever they wish.

This article was written with the help of artificial intelligence. Editorial policy