Are you at the £2k limit on your personal account? It’s likely a whole account view. £2k is the max.
Reducing the OD you have by x amount (not guaranteed to be able to increase it back to original amount) may make you eligible for the joint account OD.
Yeah I have 2k overdraft on personal
If you drop that down you’re likely then eligible. The other persons credit file also comes into play.
Is it common knowledge that is 2k across accounts?
The max overdraft on an account is £2k, so it’s probably the limitation here.
Same with Lloyds, I had an overall overdraft limit I could split how I choose over my Lloyds accounts.
It’s likely that more factors are taken into account than just your take home pay.
Hmmmmm my overdraft is 3k limit actually
With Monzo?
I got the invitation today, too. But I don’t have my main account with Monzo and I don’t link accounts so I’m not sure how they’d know what my take home pay is? It also fluctuates (vastly sometimes!) month to month.
If you want a Monzo Joint overdraft, there’s only one way to find out!
Does it do a hard search? If so, icba…
Eligibility check, no, but as soon as you accept it, yes.
I’m sure you could knock £500 off and try with the JA 
I’ve not had much luck with getting an overdraft - I’m getting that they’re not confident we can afford it which is interesting as they’ve not looked at my credit file and my incoming are always more than my outgoings with a good degree of savings.
Will have to wait until it’ll give me another go perhaps.
Also bizarre as I have an overdraft on my personal account and it’s never been used, although my partner doesn’t have one so maybe they’ve lent more that way, but the message seems to suggest it’s my outgoings not joint (also there’s a lot of joint savings).
I find it weird that they gave me £3k on Flex but others I’m financially connect with only £250. Maybe as I had a loan with Monzo a year or two ago and paid it back early?
I haven’t used an overdraft for 15-20 years. I’ll skip this one until (if) I go full time with Monzo. I don’t want another hard search from all these account openings as I’d only recently done the Flex!
It’ll be joint income vs joint outgoings. Then possibly a what if scenario of if one loses their job, how do they afford it all.
I’m still on the overall account limit fence though until someone’s brave enough to lower their personal and attempt the joint 
Neither of us have be salaries paid into joint so the money that goes in very closely matches outgoings. But that doesn’t seem. To be the issue. It’s taking about financial burden but it’s taking about it in a very personal way. And it’s simply not true. My outgoings may match my income, but that’s because a large chunk is going to savings either in Monzo or external savings.
And in any case I have an overdraft that isn’t used on my personal account so the lending criteria has already been met.
The message isn’t specific enough if they’re assessing joint outgoings. This does read that it’s my income that’s a problem not joint
This is quite concerning. From your screenshot, Monzo appears to be based on your answers and what it knows (or thinks it knows?). Or am I mistaken in that assumption?
I really don’t know how it would know what my actual income is and what my actual outgoings are.
Seems like a ‘computer says, computer does’ algorithm. I guess that’s what most do, but Monzo’s response “we aren’t confident you can safely afford an overdraft without getting into difficulty” is actually quite condescending and that would irk me! Even if they think it, and that’s their decision, I don’t like the tone - particularly when you know more than they do about your finances (I think…?)
Absolutely. And in the next section it says they haven’t looked at incoming and outgoings.
It seems like it just doesn’t like the answers I gave in the income section and there’s no way back to look at whether I made a mistake and missed a zero for example. I did change my income because it wanted income before tax and what I had entered was after tax and other deductions. So unless that’s thrown it I just don’t know.
