I’m super curious about how far I can go with each of my friends to see who I am actually eligible for!
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Just tried still not eligible.
Do it!
(And please report back on how long they’ve had their account and if they use it as their main bank. My working hypothesis is that older accounts with more data are auto rejects - due to Monzo problems rather than customer eligibility!)
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Well my partner is a 2020 customer, so add that to any theories!
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Heh, just tried this to see what happens and it offered my window cleaner as a potential joint account partner 
Seems to be the only one of my contacts who has a Monzo account.
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Or the only one sharing that information their side. Works two ways 
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Did the help article always say this?
I like how the copy could be interpreted as both ‘you can’t have one because we’re not letting many people have them right now’ and also ‘we might be limiting the number of people who can open a joint account, we might not. We’re not telling you’.
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This is new (to me at least).
Monzo’s poor writing strikes again.
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Sounds super odd. Can you both contact support to escalate for a manual review?
It seems odd to not allow two existing Monzo users to join up.
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Plug in & charge. Please. 
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Ah I’m not that fussed, I think someone did a manual review further back and was still declined. We’ll open one soon with Nationwide since we both have an account there.
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Nationwide is great. Having individual & joint accounts works really well there. And they are decent enough all around. Especially if one has flexplus account + members credit card. It covers all travel perks all around (no ATM fees, no FX fees, travel insurance for the household). Etc.
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Sorry next time I’ll make sure my phone is fully charged and my clock is set to 9:41.
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I felt this. 
Im a monzo premium user, and remembered I could check my credit score in the app. I use CheckMyFile and Experian monthly already due to working in financial services. However, figured Id see if the Monzo score was perhaps causing an issue.
The monzo scoring was a bit low, contacted support - they advised it was a Transunion score. So, although they report their accounts and loans to all three, and when you request a loan, the credit check Experian… for their “credit score” internally its exclusively on Transunion.
My Transunion shows a couple of accounts that my Experian/Equifax dont. It doesnt say anywhere that ive seen that credit scoring is an indicator for the joint accounts - but its perhaps a metric being utilised somewhere. My scoring is otherwise high, but I have set about closing a couple of points to see whether marginally boosting the TU score will make a difference.
Anyone else being declined with a less than 710 TU score in Monzo?!
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You’d probably appreciate then that a) these numbers mean nothing and b) Monzo would have to inform you if they were going to be checking your credit file before you tried to open a JA.
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They wouldnt need to perform a credit check if the information is already authorised to be displayed within the account? Premium Accounts come with a feature which displays your Transunion score. Updated once a month. I was just thinking out loud that perhaps it was feeding into some of the alogrithms they’re using that determines whether you qualify.
Doesnt opening a JA trigger a soft credit check anyway?
Viewing it like we do, isn’t the same as interrogating it. They make their own decision, they are not seeing a score of 666 and agreeing with it.
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There are very strict laws around the use of this data. Authorising its use for the credit tracker feature doesn’t automatically grant use for lending and eligibility checking purposes. There’s more detail on this if you check the privacy notice within the Settings, documents and T&C’s section of the premium/plus tab in the app.
Monzo would be exposing themselves to hefty fines both from the FCA and due to GDPR if they did so without our explicit permission.
I can’t answer this, but what I do know is that people are being declined a JA before there’s any credit file check.
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