✅ Joint Account cards should be different colour!

As monzo develop their own back end system is there any reason why the joint and personal accounts can’t use the same card? You essentially just select the card you want to pay with.

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Ahh, thanks for clearing that up!

In theory yes it could be done, this is similar to how Curve works: https://www.imaginecurve.com/

It could be very slick! But a lot of users may forget what account is currently connected to the card when they make a purchase or may not be able to swap it over if they are somewhere with no internet connection.

So for now it’s a card per account but who knows in the future that could change!

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It’s not great that they’re the same colour. It’s a shame they couldn’t have reversed the colour, but hot coral on white would look awful. Maybe they should change the lettering to black on normal cards, and then the joint cards could be hot coral on black, which would be really smart. Instead of black, you could use the blue on the left of the logo

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They could have a big J in a slightly darker or lighter shade of hot coral. I think that would look quite neat.

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Or just any colour from their logo so it’s clear from first glance instead of it just being small font in the corner.

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Nah, too much faffing with the app. Just assign two PINs to the one card, then whichever PIN you enter debits the correct sole/joint account. Bunq do this in the Netherlands.

Contactless defaults to always one account.

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Blockquote

That is a super neat solution!

Or maybe something similar to the MasterCard display but with less buttons? I’m not really sure how I feel about that… https://newsroom.mastercard.com/press-releases/mastercard-introduces-next-generation-display-card-technology-a-first-for-singapore/

In app seems to be the easiet solution but there are so many situation where it is not viable…

Ugh I hate the look of that.

The article states that it is (was?) in use since 2013. I wonder if it caught on? Maybe @evangelskies or @brenda saw one in the wild in Singapore? I have a suspicion there’s a reason we’re not all carrying one these days…

Why couldn’t the app just incorporate that functionality? Or Google Authenticator app, which works offline?

Both are way better than having 2 cards.
It should be fairly simple to do. And not a million miles away from what TransferWise does, one card 4 accounts.

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I’ve never seen one in the wild. Not many people are with Standard Charted, usually they opt for more local banks. I’ve always assumed it was a bank for medical insurance and things like that.

We have those annoying tokens for bank transfers that I hope will go away soon and I don’t really see the point of needing 2FA to make payments. I really hope UK banks don’t introduce this- especially when Singapore is trying to move away from this too.

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Me either, but I’m actually from Malaysia! :malaysia:

Oh I’m sorry @brenda!

I did actually do a search as I thought you’d said you were from Singapore, and the result showed the sentence “I say this as a Singaporean” – now I realise the search result included a quote from Eve that wasn’t formatted as a quote in the results! :man_facepalming:

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When I started seeing posts about the card design for joint accounts I expected there had actually been some design work done but its the same as before with a bit of additional text. I do think its a shame Monzo didn’t choose a different colour/design for their joint account cards.

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Totally agree. This is a missed opportunity for another bright colour of card IMO.

Using the same colour for these distinct accounts is a genuine problem which many customers pointed out in advance. Customers aren’t always right, but if hundreds tell you the same thing, thousands will be suffering in silence without telling you.

Monzo should be listening to their customers here.

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I think ‘suffering’ is a bit strong a word but I see what you mean.

Genuine question, who else differentiates like this? My experience of banking is that a ‘current account’ has a single card design, single joint or other. Have I just banked in the wrong places for the last 30 years?

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I’ve never ever seen a different style of joint card either. I do feel the design of a card should be considerably lower down the priority list but that’s just my opinion :man_shrugging:

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It’s never been a problem before because I either had a sole or joint account, never both. It’s not a problem now because the only reason that I have both cards is because the bank makes it a requirement. My sole card is kept in a drawer. In fact to go further I have to question the concept of my money and our money in a relationship close enough to have a joint account.

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This is amazing, I’d never heard about ‘dual pin’ before… Monzo… over to you!

I struggle with this one as well.

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