Apologies; I wasn’t at all clear about the DD transfer—I did realise that’s universal and not just Monzo. I just meant that because it’s already a bit laboured, not being able to get Plus as well removes one of the key benefits we want in a joint account 
That’s good to know about Trends, and that does flip the gauge back a bit, but it’s combining Trends with custom categories that I’m especially keen on.
Really appreciate the extra info though, thank you!
Whilst you can’t switch a joint account into a sole account, you can switch a sole account into a joint account which you co-hold.
You can switch an account in your sole name into a new account in your name. This can be a new solo account or one you will hold jointly with someone else.
Just some thoughts on Plus from a new customer.
I am generally a tech enthusiast and, as someone else said above, my instinct is to upgrade to see what the paid features are like and if I have much use for them. I did have a bit of time using Plus on a free trial but as it fell on a busy week I let it expire and admittedly didn’t get full use of it.
Thinking on whether an upgrade would be beneficial for me, I have come to the conclusion the only benefit of Plus for me would be essentially the software - I’d be paying for software features (which is fine, software is expensive so this is a good deal if you think about it). No other Plus features either appeal to me or are anything I can’t get somewhere else for free.
For example:
higher cash limit - a quick transfer to Starling and all cash in the UK and abroad is free.
1% on balance and pots up to £2k - well, I’d stil be out of pocket with the fee, plus I can have my money in the instant access savings that also offer 1% on the free account.
Debit card colour - don’t care, I use Samsung Pay (via Curve) pretty much exclusively nowadays.
Credit tracker - lots of free apps offer that, or e.g. through Barclaycard.
1 free cash deposit - again, deposit at the post office to Starling and quickly transfer to Monzo.
So none of these added ‘life’ features are worth paying extra for, not to me at least. If I do go for Plus, it will be for the software features (trends, custom categories, Open Banking), but maybe also as an act of support towards a bank that seems to be going in the right direction in more ways than one.
As for Premium, we have a joint Nationwide FlexPlus account that, in my view, is unbeatable with travel insurance, mobile phone insurance, roadside assistance (the top level of AA, used it twice, works brilliantly) and free cash abroad for £13/month, sorry but no other bundled account even comes close.
Today I cancelled premium and then signed up for plus. One thing I was dreading was having to set up my virtual cards again until this screen popped up…
That’s good to know! If I get my 
card then I’m contemplating dropping down to plus as well. I don’t need the phone insurance anymore (applecare + now) or travel insurance (as I would buy more comprehensive cover at the time of travel).
Well that is interesting to know.
Are the numbers the same as their original numbers?
Yes they are, and still all assigned to their pots 
Pretty happy with the feature.
The only improvement I could suggest would be having a proper premium to plus downgrade flow in the app.
Ahh wish that was an advertised feature! I’ve been avoiding the ‘downgrade’ for so long because I didn’t want to deal with re setting up different card numbers.
Now I’ve fully cancelled plus and reverted most things that used a v card back to the main card….
Its a new feature to Android from 4.34.0… Not on iOS yet
This is kinda true - the strings first turned up back in version 4.26.0:
<string name="vc_unarchive_button_primary">Unarchive</string>
<string name="vc_unarchive_header">Select the virtual cards you’d like to use again now you’re back.</string>
<string name="vc_unarchive_title">Unarchive virtual cards</string>
Then were renamed in 4.34.0 to::
<string name="vc_unarchive_button_primary">Get virtual cards back</string>
<string name="vc_unarchive_header">Select the virtual cards you’d like to start using again. After this point, you can’t get old virtual cards back.</string>
<string name="vc_unarchive_title">Get virtual cards back</string>
Then activated in 4.35.0 (or more accurately, the feature flag was changed somewhere between the release of 4.34.0 and the release of 4.35.0):
<boolean name="unarchiving_virtual_cards_onboarding_step" value="true" />
Is this live on iOS. I might go from free to plus (I used to have premium and plus before) and would like my virtual cards back and bin off Revolut just for convenience?
This I’ve not experienced personally, so I can’t answer. My current use case is considerably different, Android, Premium, VC’s in use but never cancelled from Premium… etc.
But the fact that any VC’s seem to be available (if not active) may be a clue that you can later retrieve (‘unarchive’) previously used VC’s on a paid-tier, once you rejoin a paid-tier?
I just rejoined plus and re activated all my cards. I did it about 3 hours ago and they are still declining. So maybe it takes 24 hours to re activate idk. If they keep declining tomorrow will message chat.
Just to provide a further update on this feature. Still Declined today so created a new Virtual Card and it worked. Raised it in the chat as maybe it might take longer or not work at weekends to reactivate on the Mastercard Side. Not entierly sure of the in’s and out’s of how it works.
Did it give a reason for the decline? Such as incorrect CCV or balance etc?
Neither. Nothing comes up on the Monzo app and the merchant website just shows an error
This means a merchant issue. Drop an email to acceptance@monzo.com with dates, merchant information, and they’ll raise it with MasterCard.
It’s not. It’s always used my virtual card before I downgraded
Even I can’t even add them to Apple Pay. I’ve had to create a whole new ones
Was they connected to a pot if so is the pot still there or even did you check to see if the details changed when you reactivated them incase the CCV changed?