Hi @yonny24
For foreign ATM withdrawals - the limit is per person & not per account.
For example, if you spend £100 on your personal, then you spend £200 on your joint, and your wife hasn’t spent anything yet - it would still take you £100 over the limit.
So with 2 people, the maximum amount you can withdraw before fees is £400 - and it doesn’t matter which cards/accounts are used.