Just to add my name to the list of people waiting for a fully seamless joint account experience:
I understand (I think) why we need to keep our personal accounts to hold a joint account. But it would be great if there was a way to make the joint account the primary one. Or at least be able to ‘hide’ the redundant personal one.
Current scenario: Monzo mates paying me back for meals, or footy subs, they see my personal account in their payee list but not our joint account. Money goes into personal, then I have to transfer it. Income is marked on our budgeting as a personal transfer rather than external.
Shout out to all the others trying to properly #FullMonzo with a joint account.