Does Monzo offer a joint account?

That’s one view but it isn’t everyone’s. All of the legal stuff discussed above still needs to be considered.

Pots might be good enough.


Yes, go read the thread and consider the legal arguments made out. I don’t think joint accounts are dated. They solve a simple problem, simply.


So Monzo announced today the roll out of their energy switching service. This is a great idea and has been something that’s been talked about for years now from the start of Mondo. However, all of my bills come out of a joint account I share with my SO. Does this basically mean a huge chunk of what makes Monzo good, we won’t be able to benifit from? Or are there plans in the future to support joint pots for bills?

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This is the latest official word I could find:

I would be great to see some kind of update as to how this will be achieved.


A rather sweeping statement and certainly not the general feel of the forums. Me and my other half have used a joint account for over 5 years exclusively.

We are running separate Monzo CA accounts but actually we have sacrificed a lot of usability to do so as we want the live balance updates and we can manage but we prefer to have it joint and to share our finances.


So my wife is a stay at home mom, and the only reason I have a joint account with my current bank is so that she can access the account easily and have legal right on it without any fuss or trouble.
This is also the main reason I cannot switch fully to the Monzo CA, although she has access to it from my phone.
I think it will be great to be able to manage this easily in a new Mobile Bank experience without all the fuss and pape work required by high street banks.


If Monzo want my full business (standing orders, DDs overdraft etc then there are two conditions:

  1. I need a way of protecting my main account from fraud (cloning etc) by having a 2nd card or a virtual pot.
  2. I need a joint account as we share income and expenses completely!

I gather neither of these are imminent so Monzo are unlikely to get me as anything more than a pre-paid customer - using the CA card as i would revolut or …

I imagine I’m not alone in this!

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I don’t know whether that will change in the future?

Also prepaid will be would down, soon, in favour of personal current accounts.

It looks like Monzo is not the right product for you at this time.

Hi Robin! :wave:

I moved your post here since it matched your previous thread name the most. Joint accounts are pretty much a deal breaker for some people, so it’s good to add more feedback to this case! :smiley:

As for the posts, here’s complimentary info:

Like others, my wife and I have a joint account as a sign of commitment and a desire to share everything. Getting a joint account was one of the very first things we did when we got married. Since then, there have been periods when my wife has not had a job but she can still access OUR money rather than having the to ask me for money.

For us another benefit of a joint account is that, since I am the person who keeps an eye on our overall solvency, I need access to all our transactions. I don’t want to have to ask to borrow my wife’s phone to access her transaction history.


I’ve just been doing some reading and also if we have joint accounts at the moment we can only use the switching service to another joint account not to a sole account (Tom’s tweet as reference they are integrating the switching service)

So actually without Joint Accounts I will never be able to have the security of the switching service (and I may need it for credit forwarding for that 1st 12 months etc.)

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In an effort to reduce costs, we are looking to close the many banks accounts we have accumulated over time.

As the prepaid account is going (my partner and I both have one and really like the spending control this provides), we don’t really want out have to run a separate Monzo debit card account each, especially assuming there will be a monthly fee (that’s a 2nd question).

I’ve scanned through the posts in this category but can’t find the answers?

There are no plans for a monthly fee.

They plan to make money other ways such as overdraft fees and charging 3% for overseas cash withdrawals.

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Hey @ariche :wave:

I’ve moved your post here - where Joint Accounts have been discussed at length. There are no plans to charge for accounts currently.

This is half right - Monzo do indeed plan to offer overdrafts and will earn interest on those. However, plans for ATM fees abroad are yet to be announced. Should the 3% fee be introduced that only kicks in after £200 has been withdrawn over the period of a month. The 3% would then offset those free withdrawal costs. However, this is very off topic and I would suggest any conversation about ATM fees should be moved here: Monzo - ATM fee chat

Monzo are also transparent about how they plan to make money - the Marketplace being one of them.


I hope it could be done soon! I love my monzo and how I organise my finance and I would love to do that with my husband!

Will we be able to set up joint accounts?
If so - would this be possible if my wife is on android?

All the work is done on the server so the app doesn’t know nor care which OS the other person is using, however as far as I know joint accounts are far down the roadmap so I’m confident there’s nothing to test at the moment.

Back in March, Naji posted

We’ll be looking at joint accounts once we launch current accounts later this year. There are a few different approaches we’re toying with. It’s a popular request and lots of discussion around this feature [in the Forum]

There’s a lot of discussion about this on the forum already. Might be worth having a read through some of these:


I love my monzo card but as my husband and I have shared our bank account for the past 30 years we need to share our monzo card.
We would like two cards linked to the same monzo account so we can share our monthly budget sum. Please help! I am SO impressed with the card and its ability to keep running total/ info on what is spent where etc. But there is no point to having it if I can share it with my husband.

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