How to Change Your Name on Your Bank Account (UK)

How the process works at different banks

High-street banks such as Barclays, HSBC, Lloyds, NatWest and Nationwide often ask you to visit a branch with your deed poll. Some accept a certified copy; others want to see the original. Check the bank's website or call before you go, as the rules differ and change. A branch visit is usually quick: staff check the deed poll, update your records and order new cards.

App-based banks such as Monzo, Starling and Revolut usually handle it in the app or through support chat, where you upload a photo of your deed poll. It tends to be faster and needs no branch visit.

For a joint account, the bank may want both account holders involved, even though only one name is changing.

One thing to check before you start: most banks accept an unenrolled deed poll, but GOV.UK warns that some banks only accept an enrolled one. If yours does, ask them to confirm it in writing. Our guide to enrolled and unenrolled deed polls explains the difference.

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What changes and what stays the same

Your account number, sort code and online banking login do not change. Direct debits, standing orders and payments into the account carry on without interruption, so you do not need to tell the people who pay you or the companies you pay. New debit and credit cards arrive in your new name, usually within five to seven working days, and your old cards normally keep working until then.

Your credit file is not harmed. The credit reference agencies link your old and new names from the information your bank reports.

Other accounts to update

Each bank and building society needs telling separately, and so do credit card providers, savings and investment accounts, and your mortgage lender. A mortgage is not affected by the name change; only the name on the account is updated. Payment services such as PayPal and Apple Pay are updated through their own settings or support teams.

What is your new name?

Who is this deed poll for?

MyselfAged 16 or over — £19.99 My childUnder 16 — £19.99

Name you are changing from

First name

Middle name optional

Last name

Name you are changing to

First name

Middle name optional

Last name

A few details about you

Email address

Only used to retrieve your deed poll if you lose it. No marketing emails.

Date of birth

Day

Month

Year

Your current address

Address line 1

Address line 2 optional

Town / City

Postcode

Date of deed

Your witnesses

A UK deed poll requires two witnesses. They must be adults, not related to you, and present when you sign. They do not need to be a solicitor.

Legally recognised across the UK Secure payment via Stripe Instant PDF download No account needed One-off payment — nothing renews Accepted by DVLA & HM Passport Office

Add the letter pack All 9 letters written for you and filled in with your details — ready to print, sign and post. £6.99

See the 9 letters

Address included, ready to post

HMRC — tax and National Insurance
DVLA — driving licence

You add the address

HM Passport Office
Bank or building society
GP surgery / NHS
Employer — HR and payroll
Local council — council tax and electoral register
Utilities & broadband
Pension provider

Being straight with you: the DVLA and passport letters are cover letters — a driving licence is changed with the free D1 form, and a passport needs a new application. The letters make the paperwork easier, not different.

Post me printed copies 2 copies on heavyweight 100gsm paper, 1st class next working day — as well as your instant download. £7.99

Deed poll £19.99

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Your deed poll

A4, print-ready Updates as you type Yours to keep

Common questions

How do I change my name on my bank account?

Contact your bank in branch, in the app or by post and give it your deed poll, or your marriage certificate if you have taken your spouse's surname. The bank updates your records and sends new cards in your new name.

Does my account number or sort code change when I change my name?

No. Only the name on the account changes. Your account number, sort code, direct debits, standing orders and online banking login all stay the same.

Do all banks require a branch visit?

No. Many high-street banks ask you to come into a branch, while app-based banks such as Monzo and Starling usually let you upload your deed poll in the app. Check your bank's own process.

Do banks accept an unenrolled deed poll?

Most do. GOV.UK notes that some banks only accept an enrolled deed poll, so check with your bank before you start.

Will my bank cards be cancelled when I change my name?

Your old cards usually keep working until the new ones arrive, which takes around five to seven working days. The bank cancels the old cards once the new ones are issued.

Do I need to tell my mortgage lender?

Yes. Send your mortgage lender a certified copy of your deed poll. The mortgage itself is unaffected; only the name on the account changes.