Yes, joint accounts can become dormant with Santander if there is no account activity for a prolonged period. Santander typically classifies an account as dormant when there have been no transactions, deposits, or withdrawals for a set timeframe, usually 12 months or more. Once an account is marked dormant, account holders may face restrictions on withdrawals and online banking access... https://xactaccountants.co.uk/dormant-accounts/