I would think it amazing if you could link two accounts to one so that a couple could manage finances together under one account while providing spending transparency.
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Hey Robert,
This is a really popular feature idea. Although they may not fit the mould of a conventional âjoint accountâ we will be working on features which will make it a lot easier to send, share and save money together. Bill Splitting between users for example, is one feature on our radar which we hope to introduce in coming months.
The idea of linking two accounts has been discussed at length here, it might make for some interesting reading! Joint Accounts 5
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Does that mean there wonât be an option to simply have two (or more) simultaneously active cards on an account?
Thatâs going to be a deal-breaker for a lot of people. If Monzo doesnât support joint accounts, itâll be âthe bank for singlesâ - but worse (smaller market) than that, those with no plans to cease to be single. Who wants the hassle of changing their bank just because they get married (or otherwise equivalently financially committed)?
NB - âduel cardsâ sound dangerous!
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[quote=âOJFord, post:3, topic:7125â]
itâll be âthe bank for singlesâ - but worse (smaller market) than that, those with no plans to cease to be single.
[/quote] Haha wouldnât work as the most upbeat tagline would it??
@OJFord In summary, no, that doesnât mean that two cards linked to one account wonât be an option, weâre still considering how this could work. Itâs just the features I mentioned are likely to precede this, and at this time we can explain with more certainty how we see these working in the context of managing money with others.
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Iâd like to see a joint account of some sort in the future too.
Iâd really like a joint savings pot between two monzo accounts though. Not a separate savings account, a single pot of money attributed to both accounts, with a ledger on what account paid in what etc.
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Thatâs what Iâm imagining too. In fact, itâs possible that Targetâs are the foundation for joint accountsâŚ
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Excellent. Thatâs what I see as moving banking forward.
My only query is my missus finding out how much money I have left as sheâll see Iâm a good budgeter, then sheâll spend mine as well?! The only managing of finances will be when she spends my money!
Joint accounts or similar work for some, but for me we have a joint bills accounts, and 2 separate personal accounts for our own spending.
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That is exactly the setup I have with my other half. We pay in a set amount each month and the bills come from it. It seems to work for us!
As for your first comment, I donât want the missus finding out how much I spend on vinyl (though I donât want to know either 
)
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I once started to total up the amount Iâd spent on vinyl. I had to stop. I was close to tears.
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I have the same setup with my other half.
I agree ⌠why manage two (or three) accounts when you can manage just one. All âfamilyâ income into the same place and all 'familyâ
expenses going out from the same place. Really important to find a solution to this one in my view.
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Definitely, there was some discussion about this idea earlier today here too -
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Confused by the numbering then, if thatâs not just earlier in this thread @alexs - does Discourse break into a new thread with the same name + increment after a certain number of replies, but still allow posts to the old one as if a separate topic? Sort of load balancing more than archiving?
Or is someone renaming duplicates without merging anything?
Thatâs me renaming duplicates - is the sequence making sense?
The numbers are assigned based on when the post was created so that when posts appear in the search results, users can see the order.
Only the Monzo team can merge threads currently.
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Ah righto. It makes sense, just a little odd to have them concurrently active. Still, better than different names I suppose.
You might see if you could get permissions/the role/whatever to be able to close them at least? Then duplicates could be renamed, a pointer added to the active one, and locked from further contribution.
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I think this would be perfect in flatshares for pooling money to deal with various household expenses
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@OJFord going forward old posts will be closed after 6 months of inactivity. Merging can get confusing as the timestamps muddle the flow of conversation. The inactivate duplicates will be extinct in time!
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Itâs a bit of a work-around, but this system works well for us.
Use case : we have a joint monthly budget for all of our discretionary spend (eating out, groceries, etc), plus our own budgets for a couple of categories (clothes, cash).
We both have monzo cards and wanted to be able to track all spending to the appropriate category.
Our solution: Janeâs card account has all the joint category budgets and we both have our own for the personal ones.
Whenever I spend on something which should come off a joint category, I quickly (takes 15 seconds) send her a monzo-me via WhatsApp for that amount, putting the category as the description.
She confirms payment back to me in seconds and her category is âchargedâ that amount.
Result : very low effort, great real time budgeting.
Works for us.
Could never do that with our Nat west account.
However, looking forward to full joint account in monzo.
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It might be worth considering sending your partner a message with the amount & category and then her sending the payment using the in-app transfer feature. I guess that would be the ideal process for Monzo because Monzo.me costs Monzo money 
But at the end of the day, youâre the user & youâre just doing whatâs most convenient for you. That sounds like an ingenious solution! 
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