I would like to start by saying that I am not pleased with Monzo’s Joint Account.
It is very annoying how features aren’t thought through to fit all users in the bank.
It is a lack of respect to JA users who put both of their main income on the CC but don’t have access to overdrafts, monzo labs, credit cards sync, amongst other features.
It makes us (JA power users) feel like we’re on a special type of account and somehow it is less worthy than personal accounts (which we have but practically don’t use).
What is so difficult about checking how much overdraft each one has on their personal accounts and show a sum of both overdrafts on the JA. And when the OD is used, take equal parts from both.
Also, what’s up with not having features being released at the same time for Android + iOS + Joint Accounts. Why prioritise some users over others . . .