Choose a bank that offers online joint account opening
Check eligibility requirements for both applicants
Gather required documents for both applicants
Visit the bank’s website or mobile app
Select the joint account option
Fill in both applicants’ personal details
Enter contact information and addresses
Upload identity and address proof documents
Complete any video KYC or online verification steps
Review account terms and conditions
Submit the application
Wait for approval from the bank
Fund the account if required
Set up online banking access
Add debit card or checkbook preferences if available