Multiple Cards - Single Account

[nabromov (Nikolay Abromov)]

It would be nice if we can have two or more cards on the same account, so me wife and I can track what our family is spending within the same account.

[Rika (Scarlet)]

You may want to get your voice heard in one of the existing threads about this topic!

Multiple Cards, One Account

Sharing mondo with a friend of mine who has children, they asked if you could have multiple cards controlled by one account. They were always conscious about giving their children cash incase they lost it and would like to give them a card like Mondo’s where they can top it up with certain amounts and freeze it of their child lost it. Of course the child is too young (under 18) for their own account, that’s why their cards would be connected to their parents account(s).

Does Monzo offer a joint account?

Hurrah! My lovely wife made it to the front of the queue and now has a shiny :mondo: card! We’re an old skool couple with joint finances. To keep our budget up to date I have to steal her phone which is less than ideal. Happy to struggle on during the beta, but some linking would be amazing. Once you’re a full bank, we will only want one account. I’m sure clever things can be done with the API, but I’m not sufficiently techy to work that out! Brining it ip again it because it’s not…

Loaner and family member cards

So I was thinking about how the pre-paid card situation that the Alpha’s are currently using actually has a few benefits. Once Mondo moves onto more conventional cards it would still be useful to have the option of getting pre-paid cards attached to your account so that you could give them to friends that have visited from abroad, avoiding card charges, or for your kids so that they can have ‘pocket money’ and giving you oversight as to what they’re spending their money on.

[McFizzleKicks (Andrew McFetrich)]

This!

I’ve just signed up and would love to use this for groceries, petrol etc. that are paid for by both my wife and I. If we had 2 cards on the account - and also could both top up the account from our 'usual bank accounts - this would be be a game changer.

As a new community member, how can I find out if this is part of the roadmap?

Thanks!

[alexs (Alex Sherwood)]

@McFizzleKicks

As a new community member, how can I find out if this is part of the roadmap?

Monzo have published their product roadmap here but joint accounts aren’t on it, yet.

There’s also the Extraordinary Ideas Board with the ideas that the team are fans of but they’re not on there either.

Tom (Monzo’s CEO) has said that joint accounts are in the plans though -

Joint Accounts 1 & Real-time Authorisations

Thanks @gavin - cool suggestion. Linked / joint / family accounts is definitely on the roadmap, although some way down the line. Trying to get user input to accept/reject a payment is problematic, because we only have a few hundred milliseconds to reply to the MasterCard auth message. But certainly letting parents set spending rules for their kids is something we’ll look at in future.

the question is, how they’ll work. If you search for joint accounts in this community, there’s several topics detailing various solutions that’re being considered.

[McFizzleKicks (Andrew McFetrich)]

Great, thanks.

Joint accounts would be great, but would just be cool to have 2 cards on the same account - i.e. I top up but both my wife and I have a card to use independently.

[NPGFan (Steven Crouch)]

Is it possible to link more than one card to the same app?

[anon44204028]

No it is not possible to do so

[Pbrady999 (Patrick)]

This is a good idea. I would like to have a card for my wife and one for my son when we travel.

I could open another account for my son and manage it from my second phone but a bit clumsy.

[Avishai (Marta)]

@Pbrady999 You mean a more than one active card for same account, or join account with multiple cards? This thread has been discussing both a bit, so I’m just interested what option you’re after?

[Pbrady999 (Patrick)]

I like the idea of both. Should I give my son a card I would still like to controll it in terms of top ups and freezing and to see spending but would like this to have a diferent total than my card.

However when sharing a card with my wife I would expect those cards to share funds.

It would be fine to be able to run mulycards with diferent totals from the one app. So if that was the best on offer then that would be fine

[anon44204028]

@Pbrady999

Should I give my son a card

Even if Monzo did at some point permit a couple of adults to share an account and have two cards connected to it, the situation regarding your son is different. If he is over 18 surely he would just get his own card? If below 18 the current terms would not permit him to have a card, as they can only be issued to users over 18. Monzo have discussed lowering the age, e.g. to 16, but while no definate decision has been announced it sounded like it may come at a later date rather than when they launch the current account. If he is quite young, e.g. 13, you can currently look at Soldo if you need a card where you are going to control and monitor his use.

[Pbrady999 (Patrick)]

Just suggesting what would work for me. I can of course shop elsewhere.

[GaryConnolly]

I love the Monzo card. Can you tell me if I can multiple cards through the same app. I would like to give a card to my daughter, keep one for myself and see both cards link to the same application on the same phone.

[alexs (Alex Sherwood)]

I’ve moved your post here as there’s more details about Monzo’s plans & other user’s thoughts on this functionality here. I hope that helps