I suppose no one that was previously declined, has had any luck yet opening one?
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I’ve been getting the same message as everyone else by the looks of it. Unable to offer me a joint account despite a pretty good score, Monzo Plus, Flex and a fully repaid monzo loan with no defaults etc. They’ll notify my that I’m eligible for another loan and overdraft several times a month because it makes them money but when it comes to a joint account it doesn’t seem like they’re going to budge.
Especially annoying when most of my mates have joint accounts because they applied when it was first introduced.
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I wonder when Monzo will reconsider this position?
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You’d like to think soon seeing as they’re rolling out joint accounts to American customers
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I hadnt seen this!
Same - my partner and I both have perfect credit scores, we both have monzo personal accounts for all our personal income/expense, we have monzo savings account also with some significant balances, we have monzo business accounts with some significant cashflow, and she uses monzo flex whilst I use a monzo loan.
I really cant see why we’re ineligible for a 0 overdraft joint account which doesnt require a credit check - we’ve ended up with Starling, but the very moment I can move it over to Monzo i will. I hate having my money outside of Monzo haha
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I requested a manual review and got this response…
"Thank you for your email.
As per our privacy policy, we have concluded our manual review of this decision, but unfortunately cannot overturn this decision. This also means we will not be able to accept any further applications from you for the foreseeable future, this may change, but we are unable to confirm when this might be.
We assess applications based on the information you give us, and unfortunately, we can’t offer you an account right now. We’re so sorry for any inconvenience or disappointment this causes.
If you would like to find out more about how we make decisions on accounts at Monzo, please take a look at our Privacy Notice. You can find our privacy notice in our app, or on our website, www.monzo.com.
I’m afraid we will not be able to provide any further information on this decision."
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That punctuation 
. I just can’t
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I spoke to a mate earlier this week who was telling me he’d finally signed up for a Monzo account in March after I’d been badgering him for years about it (didn’t use my referral though!!!) and him and his partner applied for a joint account on the same day they got their solo accounts and were accepted - I was fuming 
I’ve tried again today, still no luck!
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Finally something I’m not eligible for 
Took the bullet and decided to look at a joint account and got past the part of choosing the other half and not eligible.
Obviously it is what it is, not complaining but adding to the thread context:
- I’m full Monzo, he is not
- he has a Monzo loan, and eligible for £2,500 Flex and £1,000 overdraft
- I am eligible for £10,000 loan, and have both Flex and overdraft
We will just go elsewhere (though Monzo are currently getting all our bills so it will be a slight loss for them) but I was keen to keep everything in one app.
Note: this is just a data point, not a rant about not being eligible.
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You got further than most!
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True! It does appear odd then that there are two “ways” to be not eligible, rather than what I thought it was: instantly not eligible or eligible.
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Why not rant about it, it’s frustrating and in some cases makes no sense. I fully appreciate it’s up-to Monzo but doesn’t make it any less annoying.
If you want everything in one place / one app and you need a joint account then it forces you to move banks/apps, which isn’t great.
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I guess because ultimately it’s a decision made by Monzo for whatever reason. I don’t have a right to a joint account.
Now do I actually think Monzo are either winding down their joint accounts, preventing new ones until they have full parity with their existing ones, or simply have a bit of a weird computer error somewhere declining people for seemingly no reason? Probably one of those.
It seems there is no real logic to who gets one and who doesn’t, but a rant won’t get me one. I’ll just use my NatWest account.
(The downside as I said is Monzo will be losing out on the funds for bills which have always sat in my account, so it’s their loss more than mine)
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Seems to suggest that Monzo think you are suitable for a joint account, but not with him
Maybe they don’t believe it’ll last…
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Ha! Maybe…
It is interesting that he could also choose me and wasn’t immediately ineligible for one, so it seems strange we are both “eligible” to choose someone just not each other.
Oh Monzo.
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Maybe this is an improvement?
Rather than the “Computer says no” factor that wouldn’t let you get anywhere, they’ll now let you try but when evaluating you two together, they say no?
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Could be. It would imply though that we both could with someone… would be then a little illogical we couldn’t together.
Like I said, no rant, just data point. Monzo are happy for us to collectively borrow like… £28,000 from them, but woe betide we have an account for our Netflix
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I’ve checked and still have the computer says no response.
Dating by Monzo. Check your long term compatibility through the bank’s algorithms.
Break up by telling your partner you “don’t have anything more to share”.
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