Joint Instant Access Savings
Joint Savings account
Earn up to 2,27% AER,¹ paid daily. Save side by side with a partner, parent, or pal — with instant access, no minimum deposit, and no withdrawal fees.¹
- 65+ million global customers
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Earn up to 2,27% AER¹ with Joint Savings
Twice the savings potential — reach your goals with double the savings power, and start growing your money from day one.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. The interest per annum is subject to your selected plan. Instant Access Savings T&Cs apply.
Interest rate percentage is based on the user with the lowest plan.¹
Find out moreGet the full picture
The best of your online Joint Savings Account
With daily interest,¹ round ups, and real-time control, your joint savings account is built to grow your money — and help you reach your goals, together.
Earn up to 2,27% AER¹
Grow your shared savings every single day with interest paid daily. No minimum deposit required — and earn on balances up to €100,000.
Access on demand
Either of you can withdraw anytime, with no fees or delays. Instant access to your savings, ready for your next move.
Save with no minimums
Whether you deposit a little or a lot, your money starts working for you the moment it hits your account.
Eligible deposits are insured
Revolut is a fully licensed EU bank. Eligible deposits are protected under the Lithuanian Deposit Insurance scheme. Learn more.
Built-in security features
Keep your joint savings protected with instant fraud alerts, one-tap card freezing, and custom controls in-app.
Round up that spare change
Turn everyday spending into joint saving. Activate round ups and grow your savings automatically — just keep tapping and let Revolut do the maths.
The joint bank account built for two
Open a joint bank account in minutes and manage money as a team. You’ll each get your own card, shared visibility, and one place to spend, save, and budget — together.
You’ll need a joint bank account to open joint savings.
Open yours now
How to open a Joint Savings account with Revolut
Start saving in just a few taps — Two people, one account, and a smarter way to save.
- 1
Open the Revolut app
Download our app for iOS or Android. Once you have everything set up, tap Accounts beneath your balance on the home screen, and select Add new.
- 2
Create an account
Go to the Joint tab, then scroll down and select Savings & Funds.
- 3
Add money
With no minimum deposits, kick-start your savings journey with any amount.
Explore our best interest rates by plan
Choose the plan that fits your lifestyle — and get access to our best interest rates. From Standard to Ultra, you can earn between 1,25% and 2,27% AER,¹ plus enjoy extras like eSim data plans, airport lounge access, and exclusive card designs.
Premium card available on paid Premium plan only. Paid Plan Terms and subscription fees apply.
eSim T&Cs apply. Airport lounge T&Cs apply.
Explore plansGet easy access to your Savings Account
For when money matters most — whether it’s a big decision or the right opportunity, your savings stay ready. Set goals that match your life plans, and move forward with confidence when the moment comes.
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Joint Savings for couples, friends, flatmates — your call
Saving with someone you trust? Partner, parent, or your favourite person — Earn up to 2,27% AER¹ paid daily, reach shared goals faster, and unlock the power of saving together.
You can open multiple joint savings accounts with Revolut.
Open an account
A Savings account you can trust
Get top-level protection, powered by a dedicated fraud prevention team. It's easy to see why 65+ million global customers trust us to look after €36 billion in deposits.
Learn moreLicensed bank
Revolut Bank UAB is authorised and regulated by the Bank of Lithuania and by the European Central Bank. It's also regulated by the Bank of Spain for conduct of business rules.
Fraud prevention
In the previous calendar year alone, our fraud prevention team saved our customers €746m in potentially fraudulent transactions. We're on the lookout.
24/7 support
Speak to our award-winning support team in 100+ languages via secure in-app chat. Yes, even on a Sunday.
Deposit guarantee
The money in your savings account is eligible for deposit insurance provided by the Lithuanian Public Institution "Deposit and Investment Insurance."
Individual Savings account
Prefer to save solo? With Revolut’s Instant Access Savings, your money starts growing the moment it hits your account — withdraw anytime and stay in control, 24/7.
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Joint Savings Account FAQS
It’s a savings account you share with someone you trust — like a partner, friend, or family member. You’ll both have full access, and earn daily interest on everything you save together. No account maintenance fees, no minimums, and withdrawals whenever you need.
Get Revolut.To open a joint savings account in Revolut app, just follow a few simple steps to get started:
- Go to Home in the bottom menu
- Tap Accounts under your balance and choose Add new
- Go to the Joint tab
- Tap Savings & Funds
- Follow the prompts to set up your account
To be eligible to open a joint savings account in Spain, you must meet all of the following criteria:
- You currently live in Spain
- You are a customer of Revolut Bank UAB, Sucursal en España
- You hold an active joint account with another Revolut customer
You can only apply for and manage your joint savings through the Revolut app.
Instant Access Savings accounts are available in EUR only and can be opened by individuals.
In order to access Joint Instant Access Savings, a joint account needs to be active.
Open a joint savings account.Interest is paid daily and based on your Revolut plan — For Joint Savings, the interest rate is based on the user with the lowest plan.
• Standard: 1,25% AER
• Plus: 1,25% AER
• Premium: 1,51% AER
• Metal: 2,02% AER
• Ultra: 2,27% AER
Interest is calculated daily based on your end-of-day balance, and paid straight into your savings.
Revolut may vary interest rates up or down. If there's a decrease in your active rate, you'll be given at least 14 days’ notice. For a full list of reasons for an interest rate change, see the “Can my interest rate change?” section within the Revolut Instant Access Savings Terms.
No notice will be provided in respect of changes to interest rates other than your active Revolut subscription plan. You should confirm current interest rates before upgrading or downgrading your Revolut subscription plan.
Yes — either of you can. Both people have full access and can withdraw money anytime. Payments are usually available to spend on your Joint Revolut Account immediately.
¹Services provided by Revolut Bank UAB, Sucursal en España (Bank of Spain code 1583). The interest-bearing account is a demand deposit account. The interest rate depends on your plan, from 1,25% AER on our Standard plan to 2,27% AER on our Ultra plan. 18+. Representative examples: €100 invested on 1 January at 1.25% AER / 1.24% NIR would give you €1.25 interest until 31 December, assuming no additional top-ups, withdrawals or tax withholdings. And €100 invested on 1 January at 2.27% AER / 2.25% NIR would give you €2.27 interest until 31 December, assuming no additional top-ups, withdrawals or tax withholdings. Interest settled daily. No maintenance or cancellation fees. Ultra plan is subject to a monthly fee of €55. The maximum eligible deposit amount is €100,000. Read our T&Cs for more information.