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Simplify together and open a Joint Account to make life easier. Keep track of your expenses, bill payments and save

How joint accounts work scb ci mastheadx

Simplify together and open a Joint Account to make life easier. Keep track of your expenses, bill payments and save

Our Joint Accounts

A Joint Account at Standard Chartered can be shared by two or more individuals. Any individual who is a member of the Joint Account can withdraw from the account and deposit to it. Usually, Joint Accounts are shared between close relatives or friends


Start sharing, start saving together

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iPhone and Android Apps

Apply for an account on our award-winning mobile banking app and start banking everywhere.

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How to apply

Open a joint account today in one of these available accounts:

Current Account

Excel Savings Account

Fixed Deposit

Share paying expenses and simplify your banking for more time for you and your family.

Contribute your financial commitments together and earn a combined bonus interest.

Save for your future by honouring your investment goals with no risk with our Fixed deposits. You can also choose to roll-over your maturity payments.

Free eStatements

Free eStatements

Free eStatements

Free Cheque book & Free Debit card – Per Account holder

Free Debit card – Per Account holder

Free Debit card – Per Account holder

How it works


A joint account at Standard Chartered can be shared by two or more individuals. Any individual who is a member of the joint account can withdraw from the account and deposit to it. Usually, joint accounts are shared between close relatives or friends. A joint account may have a linked chequebook and each account holder will receive their own linked card to the account. All joint account holders are jointly liable to their funds and sign a mandate to incur any loss or grievances from the account are the responsibility of all joint account holders.


All means of payment may be used by the co-owners of the account. Withdrawal, deposit, check, wire transfer, direct debit. However, the debit card is personal and can only be used by its owner. If the other co-holder wishes to have a credit card, the creation of a second bank card in his name will be mandatory. Note that often the bank will offer customers a reduction in the price of the second bank card after the issuance of a first.


The names of the co-owners of the joint account appear on all the bank documents linked to the account. Thus, the bank statements or checkbooks given to the customers bear the title of each of them. Example: “Mr. X or Mrs. Y”. Upon signing the account agreement, the co-owners must agree on a common address for the receipt of bank letters. On the other hand, the VISA card is personal and can therefore concern only one account holder.


The procedure for opening a joint account follows the same rules as when opening a regular account. An account agreement is therefore concluded between the bank and the co-owners of the account, in the presence of each of them. It specifies in particular the operating methods of the account, the proposed services and the applicable tariffs.


The joint account is in most cases open to the names of the members of a couple (spouses in most cases) or of the same family (for example, a father and a child) but the account holders do not the obligation to be related to each other.


The account may be opened on behalf of two or more persons. In principle, there are no limiting numbers. If newly applying through the SC Mobile App, numbers are limited to 6 account holders.


Although useful, the account presents risks for each co-holder. Thus, each of them is jointly liable for debts: once the balance of the account is negative, each is considered as debtor. Therefore, the holder of a joint account may be liable for a debt of which he is not the originator. The account holders are also co-responsible in the event of a payment incident. When one of them issues a check without provisions all co-holders automatically become prohibited banking and are prohibited from issuing checks until the regularization of the delinquency.


Even when they are married under the separation system, the spouses can open a common bank account, or sign a delegated authority allowing each of them to manage the account of the other.


Account holders may sometimes wish to close the account, such as divorce or separation. The cancellation of a joint account takes the form of a cancellation letter signed by all co-owners and sent to the bank. When the account is closed, the bank may claim all amounts owed to any of the co-owners when the balance of the account is negative. If it is positive, the withdrawal takes place via the signature of the co-owners or, in the event of a dispute between them, in accordance with a court decision.


Before applying for your joint account you will need to agree and be bound by this declaration:

• you represent and warrant that all information (including any documents) you have given to us in connection with the application is correct, complete
and not misleading. (If this is not the case you may be personally liable.);

• you authorise us to verify any of the information you have given to us or your credit standing from anyone we may consider appropriate (such as an
authority or credit reference agency);

• you acknowledge that we may decline your application without giving you any reason for doing so. If this happens, no contractual relationship arises
between us and you;

• you confirm and agree that we may give any information in connection with this application (including your personal information) to any service
provider (whether located in or outside of Cote D’Ivoire) for the purposes of providing any service to you in connection with this application

(including data processing);

• if you are for a product, you declare that you have received, read and understood our Customer Terms and the applicable
documents referred to in Part A of our Customer Terms forming our banking agreement which are available at any of our branches or on our website at you agree to be bound by them. You acknowledge that you are bound by any variation we make to these documents, in accordance with our banking agreement. In particular, you understand that by entering into our banking agreement you give indemnities, authorisations, consents and waivers and agree to limitations on our liability;

• if you are applying for a Remote Account you agree that the welcome letter will be accepted by your office coordinator on your behalf;

• you consent to us contacting you at the address, E-mail address and phone numbers you have provided to us, to give you information on other products and services that we, or our strategic partners, may offer;

• All parties being included or deleted from the existing mandate hereby undertake and confirm that all active DDAs existing on the above account can continue to be presented. I/We have no objection to allow for such DDAs to remain active, based on the existing mandate held with SCB. I/We, the undersigned, hereby irrevocably and unconditionally undertake to indemnify Standard Chartered Bank CI and its representatives, employees, officers, successors, advisors and agents and shall keep Standard Chartered Bank CI and its representatives, employees, officers, successors, advisors and agents held harmless against any and all demands, civil suits, claims, losses, damages, complaints and/or expenses (inclusive of court and advocacy fees) whatsoever arising as a result of the active DDAs and/or the mandate being amended.

*Please refer to our Terms & Conditions on

Bank reserves the right to perform additional verification(s) prior to processing the instruction. Failure of any of the verification requirements may result in
rejection of instruction.

Joint Ownership




All customers are required to upload their written signature on a piece of white paper and uploaded via your mobile device. This signature will be recorded on the account.
Individual account holder’s signature must match in accordance to send and receive payments using cheques over certain limit amounts.


The joint account is a bank account opened in the name of two or more persons, who may or may not be related. The co-holders are jointly and severally liable for the account and may incur the entirety of the funds contained therein.


All Joint Account holders are mandated to sign if there is an addition or deletion / a change to joint account parties.

If an Account holder is being added or deleted from a Joint account, ALL PARTIES are mandated to sign. This can be in a Standard Chartered Branch or can easily be undertaken within our mobile banking by selecting the service request ‘Add or Delete joint Account holder’. At Standard Chartered we are committed to banking security and use 2-FA authentication using registered Mobile numbers and One-Time Passwords to request Joint account holders to confirm a party is leaving a joint account.

Eligibility & Documents


  • Primary account holder must first have an existing SCB CI Current or Savings Account
  • To setup a Joint Fixed deposit you must have an already setup Joint account with a SCB CI Current or Savings Account
  • Nationality: Ivorian citizen / Foreigner
  • Age requirement: Minimum 21 years old

Documents Required

  • Copy of identification (CNI or Passport for non Ivorian)
  • Work / Residence Permit (Non Ivorians)
  • Birth Certificate (If Applicable)
  • 1 Passport Size Photograph
  • Marriage Certificate (If Applicable)
  • Address Verification Documents:
    • Utility bills with Customer’s Name & Address or
    • Residence Certificate


  • Applying for a joint bank account is no different from opening a single account. As with opening a standard bank account, you’ll need to speak to your bank directly, arrange what documents you’ll need to sign, and what proof of ID you’ll need to open the account.

    Alternatively, you could simply add your partner to your existing account.

    When you sign up for a joint account, the bank will ask you how you both wish to manage the account, and each of you will be asked to sign a ‘joint account mandate’ that tells the bank how you want to manage your account.

  • You may be happy to let just one of the account holders sign cheques, or you may prefer both of you to sign for every cheque or instruction to the bank. This is something you’ll have to agree between yourselves before opening a joint account.

  • Both you and your partner are fully liable for the whole of any balance that goes overdrawn. This means that if your partner goes overdrawn, you’ll both be responsible.

  • If your partner has been turned away from opening a bank account in the past because they’ve got a poor credit history, you may be able to find a joint bank account that will accept you regardless of their credit rating.

    If you or your partner are an undischarged bankrupt, you may have to look for a joint account such as the thinkmoney joint Personal Account, which is open to undischarged bankrupts.

    Your thinkmoney joint Personal Account application won’t be affected by your credit rating, which means the account could be open to people who’ve been refused a bank account in the past due to their bad credit rating, or are currently bankrupt (or have been in the past).

    If you would like more information on your credit rating, have a read of our guide to Credit Ratings.

  • If the relationship ends, you may well decide to close the joint account. If this is the case, you should both contact your bank and arrange for the account to be closed, and any Direct Debits or standing orders to be cancelled or rearranged as you wish.

    If you’ve both signed a joint account mandate, bear in mind that if your partner continues to write out cheques, the bank will still be obliged to pay them (as long as they’re backed up by a cheque guarantee card). Until you tell your bank to cancel the joint mandate, you will still be liable for the payments – which could have an adverse effect on your finances.

  • If the worst happens to you or your partner, the account balance will automatically pass to the remaining joint account holder, who will then be solely responsible for managing the account.

Terms & Conditions


Things you should know:

The advice on this website has been prepared without considering your objectives, financial situation or needs.

Because of that, you should, before acting on the advice, consider its appropriateness to your circumstances.

Please review our financial guide.

To know more about joint accounts, see here: