You tell 'em! I’m sure they’ll do it now you’ve said.
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I sure they will 
It’s just disappointing that such they have such good products and services apart from this one thing.
Having premium features on joint account really would allow us to finally make Monzo our main / only account
Jonas is still there, but, yeah, you have the point.
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It could be hard for Monzo. They built their bank from the ground up, as it were. So it’s possible that it’s technically difficult.
That’s a bit if a ridiculous statement. At best you could have said monzo haven’t wanted to do it yet.
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That’s what I meant 
If it would make them loads of money, data showed it was in huge demand AND it’s dead simple to do… it’s a business no brainer, it would jump straight to the top of the list and would have been here by now.
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For all we know it could he next on the list. We aren’t the ones with all the data after all 
so we can’t conclude very much.
We do know because in another thread a staffer told us it’s not on any formal list.
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A joint overdraft is a standard banking product. I can’t get my get my head around why neither Starling nor Monzo provide one. It should be simple.
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I think the complexities are probably around credit risk levels and the analysis and reporting of that. I doubt it’s simple. The bigger banks have more experience and huge teams for that kind of stuff.
Which makes sense for Monzo (perhaps) with its quirky, stuttering approach to lending, but Starling? A bank created by an experienced banker which isn’t shying away from lending a large proportion of its deposits already?
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@TheoGibson I know you can’t talk about Monzo commercial decisions, but would you be able to reflect a bit on the complexity of overdrafts for joint accounts generally across the industry? Many of us (me included) think they should be straightforward - could you talk in terms of basic industry principles (or about Starling!) to disabuse our simple minds? 
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It’s 100% something we want to do. Unfortunately it’s just not as simple as copy and paste! It’s going to sound obvious but it’s because the overdraft is now owned by two people.
This means that from a decisioning point of view you now need to build a whole new framework behind the scenes for how to decision two people rather than just one. The toughest component of which is the affordability element where the lender now needs to think about how to verify the income of multiple customers, what does the combined expenditure of two customers look like, etc. This is all regulatory stuff as well which means you can’t really do an MVP approach either.
There’s also then some legal stuff and complexity around what happens if customers can’t pay back but this isn’t too bad.
I believe we actually pretty much have all the functionality to enable an overdraft on a joint account - but not in a legal/ compliant way. Doing all these bits is quite a lot of work that we’ll get to at some point
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Thanks, Theo. Very much obliged! 
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CONFIRMED: Joint Accounts are staying 
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Happy cake day!
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Thank you 
We still don’t have this. Not even custom categories. It’s so sad.
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I’ve given up with waiting. Monzo is decent enough as is for joint account only customers like me. If something were to come along that was ‘hotter’ than Monzo and offered joint parity then I’d jump ship.
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I know people are upset with not having a joint account or parity which I completely understand. However, if there was the option to have an additional joint account, I doubt I would bank anywhere else at all. Not a fan of Bills Pots
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