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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

How easy is it to remove a name off a joint bank account?

66 replies

iveleft40 · 30/10/2021 21:08

Really want my name off my joint account with my husband.

I want to open a new account asap and leave that one. He will still use it just for him.

I'm with HSBC

Anyone know if I can just remove my name without getting him involved?

OP posts:

IAAP · 31/10/2021 11:08

@iveleft40

It's not over drawn, there's nothing wrong with the account. Really don't need the account frozen, nothing will change to it, just my name removed

You can open your account on your own have any pay moved in but you need his consent to take your name off. Mine emptied it and then agreed to have his name removed. Next time I would set up my own account. Empty the joint account offer 50% back in full or 100% in return for taking my name off - be careful though mine took £16 K and I never ever got it back

FleasInMyKnees · 31/10/2021 11:11

Will you need to take your name off any bills as well, the council tax, utilities, insurance.

Original poster

iveleft40 · 31/10/2021 11:39

@FleasInMyKnees

Will you need to take your name off any bills as well, the council tax, utilities, insurance.

Yes all bills and council tax too. It's going to be awful

OP posts:

FleasInMyKnees · 31/10/2021 11:49

You will get there and your life will be so much happier when it's all sorted and he is out of your life

ADayAlwaysHasToEnd · 31/10/2021 16:23

You both need to sign to have your name removed at HSBC. But it doesn't have to be at the same time. You just both have to visit a branch within 30 days of each other

FleasInMyKnees · 31/10/2021 16:28

If it gets difficult can you leave it as it is for now, never pay anything into it and open your own separate account for your salary and bills, would that be possible or does it leave you responsible for anything.

brittanyfairies · 31/10/2021 16:30

Definitely take your name off asap. I left ours for my XH to use, he deliberately ran it into 1000s overdrawn and then declared himself bankrupt hoping to leave me with the debt. Fortunately for me I wasn't a uk resident and while I continued to use the bank for my own current account they never contacted me. However I'm sure should I ever return to the uk and try and get credit there is a massive red exclamation mark next to my name.

ColinTheKoala · 31/10/2021 16:42

Yes all bills and council tax too. It's going to be awful

It isn't really, you just contact the relevant providers and tell them you've moved out and to take you off the bills you are on (some of ours are only in one name anyway eg our Virgin Media account). Some might ask for evidence of new address but you won't need his cooperation.

WiseUpJanetWeiss · 31/10/2021 17:28

@FleasInMyKnees

I did that - got my own account and left ex DH with the joint one with my name on it. He finally sorted it all out a couple of years later when we divorced. The difference is that my ex DH was a bad husband, but a good man, so I trusted him (and watched the account like a hawk and was prepared to freeze it if necessary). The OP is not quite in that trusting situation though.

WiseUpJanetWeiss · 31/10/2021 17:29

Yes all bills and council tax too. It's going to be awful

It’s actually going to be brilliant when you tick off the final one on your list.

SadLife · 23/10/2023 10:31

A single financial unit because one is married?? You must be having a laugh. Tell that to my wife. Whenever I say "what is yours is mine and what is mine is yours" she explodes into a tantrum.

Alwaysgiraffe · 23/10/2023 10:39

I had a joint account with my ex. He had to go in to remove his name from it. I wanted to keep it since it was originally my account. I had to agree to his name being removed.
He was also an arsehole but did go in when I pointed out that if he didn’t then the account would be frozen so he couldn’t use it anyway.

MereDintofPandiculation · 23/10/2023 10:45

iveleft40 · 30/10/2021 21:19

To explain properly, I've left him due to emotional abuse.

We have one joint bank account where all our money goes and the bills get paid.

I've moved out and want ti start a fresh with my own bank account.

Was hoping it would be easy and I could do it without him. I have absolutely zero chance of getting him to come into a bank with me.

What you could do is open a new account in your sole name, get your money transferred so it goes into your new account, clear out half (or whatever your share is) of the joint account and put it in your new account, and then leave him to sort out the joint account - which he will do pretty promptly when he realises that you aren't paying anything into it but still have the ability to take money out.

purplemunkey · 23/10/2023 10:59

This thread is two years old.

saraclara · 23/10/2023 11:37

TheGoodEnoughWife · 30/10/2021 21:35

Really difficult in my experience. My husband died and they wouldn't accept an interim death certificate (he died in a rtc and we were awaiting an inquest) to remove him from our joint account - which is bizarre as the only reason you have an interim death certificate for a person is because, you know, they have died!

I could however shut the count without him present, no problems, which is what I did.

I'm really surprised at that. I went in the day after my DH died (trying to keep busy) and they did it straight away, and couldn't have been kinder.
I'm sorry that your bank added to the stress.

saraclara · 23/10/2023 11:38

purplemunkey · 23/10/2023 10:59

This thread is two years old.

Oops.

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