Best joint account 2026
The best joint accounts compared on fees, included cards, shared management for two and mobile app. Editorial ranking scored out of 100 according to our methodology.
- A joint account makes the co-holders jointly and severally liable: an overdraft created by one is legally owed by both.
- Boursorama (BoursoBank) offers a joint account with no income requirement; Fortuneo targets reduced fees; Monabanq account opening with no income requirement.
- Account maintenance has dropped to €0/year at most online banks, but the second card and some services may remain chargeable.
- ⚠️ This comparison does not constitute personalised advice; check the up-to-date conditions and fees with each bank.
Opening a joint account legally commits two people: beyond the fees, you need to look at the availability of two cards, the ease of remote opening and above all the joint and several liability between co-holders, which makes each responsible for the entire balance. Account maintenance is now often free at online banks, but the second card and some services may remain chargeable. This comparison is an editorial ranking scored out of 100 using the same grid for all offers; it does not replace reading the up-to-date conditions of each bank.
Our methodology
Each option is scored out of 100 against weighted criteria, using the same grid for all.
| Criterion | What we look at | Weight |
|---|---|---|
| Fees | Account maintenance, cards, transactions | 30 |
| Management for two | Two cards, co-holders, shared visibility | 25 |
| Opening & conditions | Remote subscription, supporting documents, income | 20 |
| App & experience | Usability and features | 15 |
| Customer service | Availability and responsiveness | 10 |
The 2026 ranking
Boursorama Banque
Fortuneo
Monabanq
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Comparison table
| Bank | Fees/month | Two cards | Opening | Score |
|---|---|---|---|---|
| Boursorama | €0 subject to conditions | Depends on offer | Remote | 93 |
| Fortuneo | €0 subject to conditions | Depends on offer | Remote | 89 |
| Monabanq | From a few € | Depends on offer | Remote | 85 |
Frequently asked questions
Can you open a joint account online?
Yes, most online banks allow remote opening, generally in 15 to 25 minutes. Both co-holders must provide their supporting documents (ID, proof of address, bank details) and sign electronically.
Is a joint account free?
Account maintenance is often €0 at online banks, subject to usage conditions. However, the second card, some extended services or account inactivity may be charged: check the up-to-date fee schedule.
Who is responsible for spending on a joint account?
The co-holders are jointly and severally liable: each can operate the account alone (an "or" agreement) and is answerable for the entire balance, including an overdraft caused by the other. Read the account agreement carefully before subscribing.
Do you need a family tie to open a joint account?
No. Any adult can be a co-holder: married couples, civil partners, cohabiting partners, but also friends or flatmates. No family tie is required.
🗓️ Update history
- 05/08/2026 — Verification of players and facts, 2026 update.
- 11/07/2026 — Updated opening conditions and fees.
- 06/03/2026 — Comparison created.
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