Joint account parity with personal!
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That’s it, right? They really need to get on that. And while there are a load of features these are I think the most salient:
- Joint Account Custom Categories
- Joint Account Virtual Cards
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I am not a joint account user, but agree that those things had to be in place ages ago 
Amazed that @davidwalton is such a patient JA user and doesn’t give up because 
still haven’t done it YET, not yet, not yet 
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What does giving up mean? I’m a joint account user too and while I really wish there was parity, it’s still a pretty awesome joint account as is.
I wouldn’t use JA without full category list and without virtual card option, no point 
What would you use instead, and why? Genuinely curious.
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I would use Starling or Lloyds then 
They have virtual cards?
And custom categories?
Nope, but they have other benefits to compensate that shortage 
I wish Monzo (and Starling) would add an overdraft to their joint.
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We may close our Monzo joint account and move back to Nationwide given the£125 switch incentive. We kept the NW joint dormant with a £500 overdraft just in case and for banking cheques…. It’s a shame really as we are full Monzo on the joint a/c with our main income and tons of direct debits active along with our joint savings. Our personal accounts are just used for day to day spendings with smaller individual income streams and will definitely stay but the lack of joint account parity and the wait for it (forever?) is tempting us to jump ship which is a little disappointing for us both as small investors in Monzo.
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I mean, Monzo’s app is a lot better and they are iterating on features all the time? Personally taking a bank’s one-off bribe seems like a poor approach. In fact, it sounds positively desperate of Nationwide. Personally I’d prefer to bank with a bank that has a competant tech approach and deep engagement and interest in their users.
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Why can’t banks and building societies be desperate for customers? They can’t function without customers or money.
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Well “desperate” tells you a lot. But it’s obviously not the want for customers that’s at issue here: it’s the method of acquisition. On the one side you have neobanks making a metter product that is attracting people in droves; on the other, legacy banks desperately throwing one-off payments at people to try to staunch the flow.
To be honest, it’s more sad than anything else.
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Not really. It shows that the bigger banks actually have the money to do this. They certainly don’t have to.
Anyway, for me, bigger banks have the advantage of actually being bigger banks. For some reason, I can’t trust the neobanks with my money and other people do feel the same way.
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They have to do this as otherwise they don’t attract customers and they have the money to do this because of how many customers they have.
If they turned off the bribes completely, they’d lose more than they’d gain.
And they would probably still remain extremely sucessful. A lot of banks have managed without a bribe for years.
FSCS 
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I know. Still don’t trust them.
And don’t brush it off like it’s nothing. There are many people who feel the same way, despite them being FSCS protected.
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