There is very little visual difference in the UI between the joint account mode vs. the personal account mode. Screenshot below illustrates this.
The differences can be summarised as:
- A tiny secondary user avatar for the other person in the account picker
- The small “Joint account” tag on the card, and black text above the card
The account picker should make it abundantly clear which account is active in its closed state, beyond the addition of a small avatar. I find myself constantly slightly unsure about which account I’m in, and instinctively opening the account picker to double check.
Also, I think there should be some consistent UI that is present across all tabs that make it obvious which account is active, perhaps a bit like the “Return to call” green banner on iOS when you navigate away from an active telephone call?