Hey everyone 
For those of you who are new to the community, Iām Ross, one of the product marketers working on our upgrade plans and Iāve got exciting news to update you all on!
Today, weāre making four of our advanced money management tools available on Joint Accounts! 
If you have Extra, Perks or Max and also have a Monzo Joint Account, youāll now be able to use auto-spreadsheets, advanced roundups, custom categories and virtual cards on your joint account.
Before we begin, hereās a quick rundown of how they work.
While joint accounts are shared, our plans and their features are attached to individual customers. Meaning, full joint account functionality is available only to Extra, Perks, and Max customers. Customers with a Free, Plus or Premium account wonāt have access to the full functionality of these features.
If you donāt have Extra, Perks, or Max, but your partner does, your access to your partnerās upgraded joint account features will be limited.
For our Extra, Perks and Max customers, the table below outlines how the features will work with your partner based on the plan they have.
Advanced roundups
Help make your spare change go further and put x2, x5 or x10 times as much spare change aside every time you spend.
Hereās how it work: simply choose or create a pot and then choose a roundup multiplier either x2, x5 or x10. Every time you spend, your transaction will be rounded up to the nearest pound and the spare change will be put into your chosen Pot. For example, spend Ā£1.10 and save Ā£0.90. You can have both a roundup pot on your personal account and your joint account.
For joint accounts where both people have a paid plan
If you both have an Extra, Perks or Max plan, you can each use advanced roundups as you do with your personal account and can create pots on the joint account with advanced roundups turned on.
For joint accounts where only one person has a paid plan
The person with Extra, Perks or Max can use advanced roundups as they do with their personal account and can create pots on the joint account with advanced roundups turned on.
The person without Extra, Perks, or Max can set the roundup back to 1x, but they canāt select an advanced multiplier (x2, x5 or x10). They also wonāt be able to create new pots with advanced roundups on the joint account. To do this, they will need to ask their partner or upgrade to Extra, Perks, or Max.
Custom Categories
Get a better understanding of your spending with custom transaction and budgeting labels. Create personalised labels and assign to transactions to track your spending
Hereās how it work: easily create a custom label, choose a name, colour and icon and assign to your transactions. Track spending in Trends by category to see how much you spend by month or year.
For joint accounts where both people have a paid plan
If you both have an Extra, Perks or Max plan, you can use your custom categories on both your personal and joint account. If you tag a transaction on your joint Account, the other person will be able to use the shared category too. You can also track your joint custom categories in Trends.
What if we have the same category name?
To prevent duplicate categories, weāve created smart merge, a feature that will automatically merge categories with the same name so you can easily track spending across all your accounts within Trends.
If one person already has a category, for example āCoffeeā, weāll merge the two and show a single category in Trends and highlight it as a āmerged categoryā.
But the Monzo magic only goes so far. If one joint account user is a latte lover and the other a macchiato aficionado, we wonāt be able to automatically sync these under the same category. Manual syncing is coming soon.
For joint accounts where only one person has a paid plan
The person with Extra, Perks or Max can use custom categories as they do with their personal account.
The person without Extra, Perks, or Max can use shared custom categories that have been created by their partner. But they canāt create, edit or delete custom categories or use them on transactions on their personal account.
Virtual cards
Extra cards that you can create and delete as you like for budgeting and security.
For joint accounts where both people have a paid plan
If you both have an Extra, Perks or Max plan, you can create, edit and delete virtual cards on your joint account and Pots. Your individual allowance (5 active cards) will be spread across your personal and joint account.
For joint account where only one person has a paid plan
The person with Extra, Perks or Max can use virtual cards as they do with their personal account and can assign virtual cards to both the joint account and joint account pots.
The person without Extra, Perks, or Max canāt view or create any virtual cards.
Auto-spreadsheets
Hereās how it work: Weāll add all joint account transactions to an additional tab within your Google Sheets. Just like your joint account transactions in-app, weāve split them out in Google Sheets to help keep your personal and joint transactions separate.
For joint accounts where both people have a paid plan
If you both have an Extra, Perks or Max plan, you can use auto-spreadsheet as you do with your personal accounts. Once set up, a new tab will appear in your chosen Google Sheet account titled āJoint Account Transactionsā.
For joint accounts where only one person has a paid plan
The person with Extra, Perks or Max will have the same auto-spreadsheet functionality as they do with the personal accounts. Once set up, a new tab will appear in the chosen Google Sheet account titled āJoint Account Transactionsā.
The person without Extra, Perks, or Max canāt export any transactions to Google Sheets.
As always, please feel free to ask any questions and let us know what you think of the new functionality. The team and I will be around to chat 
Importantly, if the above isnāt clear, please let me know and Iāll improve it where possible.
Ross
