Frequently Asked Questions

Do you accept joint accounts?

Yes – accounts can be opened in both a sole and joint capacity.

In the case of joint accounts each account holder must be able to use the account on their own, without the permission of the other account holder.

Back to top

What happens if there’s a disagreement between the joint account holders?

One or both of you should contact us in writing. From the date we receive and acknowledge the correspondence, anything to do with your account has to be authorised by both account holders. We may have to change the way you can use your account, and we may need more information and documents from you.

Please note that we may make information about a joint account available to both account holders by telephone, letter or electronically.

Back to top

What happens in case of death of one of the account holders in a joint account?

In case of death of one of the account holders in a joint account, the survivor can operate the account alone after changing the account from a joint account to a sole account.

Back to top

Do both joint applicants have to sign the initial deposit cheque?

No, unless withdrawals from your current account require signatures from both holders.

Back to top

Do we both need to link the current account to our HiSAVE account?

Yes, both of you need to have the same linked current account.

Back to top