Then the only initial criteria at the point where you hit the ‘Open’ button has been met.
Meaning once that request hits the server, server says no. Which means that a process (AI/Human) has decided that you can’t have a JA. And that’s not personal but your account has been labeled, along with many others it seems, for some reason, into the server-says-no group. And it’s that unknown reason which makes no sense.
I suspect - as it has been said before - that Monzo is really throttling the number of JA’s that can be opened. Possibly down to none at some stage. And as I don’t really see Monzo limping along with a limited number of users with a disjointed JA the way it is, the only outcome of that would be the ultimate demise of the Joint Account or hopefully a rebuild & relaunch of JAv2
Yes. It all seems very odd. I’d be surprised if they ditch it as they’re still opening some joint accounts, but the criteria seem perplexing.
As for the “risk profile” comments, what is the additional risk to Monzo? They don’t offer J/A overdrafts, and it’s almost impossible to get into unauthorised overdraft territory.
Perhaps it’s a result of all the people we see on here wanting joint accounts with their uni friends and such. It’s all too much hassle for Monzo to sort it out when it goes pair shaped
Is that actually a thing people do? My paranoia just would never accept that due to trust issues along with the fact your friend could spend everything you have in there.
its actually interesting to see just how many people still use or want joint accounts , i remember it being a big thing in my mum and dads time in the 70s and i actually still wondered if people still used them , i suppose it saves arguments with who pays for what , i just send a lump sum each pay day to my partner who uses santander lol , but then we are both in the high side of 50s and 60s so not a typical monzo customer , whilst not a fan boy of monzo im still happy with my account as it and our set up works for us , as i would imagine a joint account with monzo would for those who wanted one but bizzarely cant get one
edit to add payday rather than each day as that would just be crazy lol
People don’t understand the financial connection it creates and the implications of it. They think it’s just a convenient way to manage shared expenses with someone.
I believe there is a screen now in the application process that (hopefully) helps explain it.
We each pay a lump into the joint account and any shared expenses and household bills are paid from there. It keeps our personal accounts neat and tidy allowing each of us to budget accurately too.
I use my personal account for things like my motorbike payments and coffee most mornings. Things my partner doesn’t care about and would certainly grumble (and rightly so) about paying for
I always sworn to never get one but other half struggles with understanding where the money goes that I request for bills etc, so it makes it transparent and if we both pay in £600 a month and he can visibly see all bills leave the one account and food shops etc.
He agreed with everything as he could see the chat and apologised and offered £30 for goodwill. He confirmed that it indeed did glitch and I do have an active JA awaiting approval from my partner but since she didn’t get the notification and I cant see anything he actually said its the first time he has heard this and he admitted he is not sure on what to do.
30 minutes ago, my partner got a notification in her chat from the same person asking if shes happy with a joint account and he explained what it is etc. She agreed and moments later both our apps forced logged us out. I panicked thinking I got the email saying my account has been closed, but could not see anything from Monzo.
I logged back in and guess what it was there. My partner also got the £30 so we both placed it into the account which will be tested when the card arrives.
The stuff leading up to it was a bit of a pity, but when you get someone who can actually say sorry, fix things and make it all okay, I tend to forgive previous ills.
Until I complained a few weeks back in the help chat - i was able to get too this point too. Then when I selected my Fiance’s name, we both got the “Sorry, We cant let you apply for a joint account right now”.
They have changed it, and as of today, I simply get the “sorry” page without selecting anyone.
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.
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
Joint Account or hopefully a rebuild & relaunch of 
it was there. My partner also got the £30 so we both placed it into the account which will be tested when the card arrives.