Daily Limits ACROSS joint and personal accounts?

Feedback & Ideas
1

Seems that the daily limits (which are ridiculously stringent) work across joint and personal accounts.
I’ve been trying to manage my finances by closing various accounts and consolidating with Monzo - mistake, I’m now thinking.

To pay my ISA allowance I’ve had my daily limit increased and specified how much I wanted to transfer. OK. A bit annoying but OK.

I used my personal Monzo to keep it simple.

But I’ve just tried to spend with my joint account and have HIT MY DAILY LIMIT! So, 2 points - (1) if you’re advising customers on how to increase their limit you MUST advise that the increase needs to be for whatever they’re transferring PLUS their daily needs. I have 3 children and no other bank account I can call on now. Very bad. Luckily it’s Sunday and I haven’t needed to pay for anything major. I’ve seen other threads on this but it clearly isn’t being addressed by your support teams.
(2) why on earth would I hit the daily limit across my joint account. My increase was for my personal account. If a customer is in the black, it’s utterly ludicrous that a withdrawal in a totally separate account should impact spending in another - is this a bug?? It needs fixing. Today I was lucky. If it were a week day this would be a major problem.
#customersupport:bugreports

2

This is a very good point which has been brought up by others and should be fixed.

I think all limits are on a per-user basis, so the person you have an account with should still be able to use the joint account to buy stuff.

1 Like
3

Why on earth would it be per user not per account? Surely I can’t be the only person who would expect the limits to apply to the account not the user?

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4

Same as foreign ATM withdrawals, per customer not per account