So one thing I want to make really clear here is that the Monzo style is not simply to replicate a feature because this is something that exists and it is something that people may want.
Rather, we look at it and we say "How can we solve the same problem/s in a better way?"
As far as joint accounts, we want to look at the ways that people use them. What is the general purpose of them, where do they work well, and where do they not work so well - this covers a large amount of ground - it’s not a product, but it’s a social function. It’s to do, largely, with human relationships. Joint accounts might get abused by people who control their relationship. How do we ensure that doesn’t happen, for example?
Essentially - in an ideal world - how would this problem be solved? A shared pot for bills that each person contributes to? Perhaps it’s not even a Pot? What if it’s a function that allows a bill to be split evenly and then debits the other person on the date of their choice (for example - you might have a bill coming out of your account on one date, but you might be happy for your partner to cover their share on a different date, such as when they get paid). I’m sure - and we hope - that you all have ideas.
It’s the type of problem that we thrive on solving and making better. It’s social, technical, product, legal, UX, everything - it involves huge community feedback (lots of which you have already given) and I know, with lots of hard work, we can make something game-changing here.
We can do something so delightful that we become the only game in town for people who want a modern “joint account” - or new feature that solves the same problems.
So in answer to the question - “When will Monzo offer joint accounts?” - that depends on your definition. A regular Monzo current account that two people can access instead of one isn’t necessarily the answer. It might be! I’m not advocating change just for the sake of it. But, I really want us to spend the time working out how to do this in the right way, a much better way, the Monzo way. And once we have a couple of huge overhanging projects out of the way, this is something we can really knuckle down and figure out 