Back in September 2021 @jackcully said that although many people at Monzo care deeply about Joint Accounts, sadly nobody is actually working on them. It would of course be ideal if all features of Plus/Premium were available for Joint Accounts, but I wonder whether a smaller more app-feature-focussed subset would have more chance of actually happening - firstly because it’s a smaller target, and secondly because it requires less bureaucracy (e.g. travel inurance would require liasing with the insurance provider, etc.)
Actual app features
- Custom Categories
- Virtual Cards
- Google Sheets Export
- Advanced Roundups
- Interest
Things mired in bureaucracy
- Phone Insurance
- Travel Insurance
Things that you can just do via your personal account
- Metal Card
- External Accounts
- Cashback on International Transfers
- Credit Tracker
- 5 Free Deposits a Month
- Fee-free Withdrawals Abroad
- Fee-free allowances
- Discounted Airport Lounge Access
- Offers
It would be nice if the Actual app features subset could be tacked. It feels more achievable. And to be honest shouldn’t those Just Work on your Joint account anyways if you’re a Plus/Premium user? It feels like a bad move for Monzo to make people pay more to get the same feature set on an extra one of their accounts, especially if that’s the main account that they use. So really the only barrier is the technical implementation work. And given that all of these features already exist in the app, can it be an immense amount of work to enable them on another account?