When creating a virtual card today it suddenly struck me - why can’t I have it pull from my joint account? All the other sources show up, and I have all the rights to use my joint account card anywhere I please, so why isn’t my joint account listed as a possible source of funds for a virtual card?
I know that Monzo have shown little progress on Joint Accounts for a long, long time (please won’t someone implement custom categories!), but, come on, how hard is it to add the joint account as a source of funds for a virtual card? At the user interface layer obviously absolutely and totally trivial. And while there’s probably some grubby permissions work to be solved in the backend, I refuse to believe that this could be that hard. Why can’t I use my own joint account as a source of funds for my own virtual card! It’s infuriating!
Progress really seems to have slowed to a half at Monzo. It’s a real shame. There are some small things they could do to really improve the user experience. I wonder if the burden of 1500 microservices is finally weighing on them.
Dispite being very careful where I input my card details I’ve now twice had to cancel my joint account card and have a new one sent out to to malicious overseas activity. It would be much easier for me to manage this myself with the virtual cards available, but for some reason that’s only available on my max account.
Virtual cards should be available on joint account, more so when both parties have paid current accounts!
Just opened a Joint Account with my other half and disappointed to notice virtual cards aren’t an option here.
My existing use case on my personal account is to have pots set up for “Bills”, “Shopping”, “Meals” and “Recreation”, etc. for which a virtual card is setup for each. At least, this seems the only way that spending can be allocated to a pot (which always struck me as a shortcoming in Monzo as surely it would be possible for any spending to “Sainsburys”, for example, to be flagged to always come from a certain pot).
Without virtual cards, automating expenditure to come from a selected pot (utility bills to come from a “Bills” pot, groceries from a “Shopping” pot, and eating out/junk from a “Take-out” pot) appears to be impossible, which makes budgetting in a joint account difficult - and very easy to end up with insufficient funds in the account to handle scheduled outgoings.
Are you certain about that? My partner is on a free plan, but I’ve been a Monzo Plus customer since 2022.
I’ve just created a pot in our joint account which works.
But when trying to create a virtual card, the only account it allows me to select is my own Personal Account.
I’m certain it works like I described with the new plans as that’s our setup.
My wife created virtual cards for subscriptions and the food shop which both come out of joint pots but I can’t see either (cards) in my app or create any (personal or joint).
It sounds like it could be related to being on a legacy plan, would be interesting to know for sure.
Yep, you’re right - I just checked with them and it isn’t a feature of my £5/month “Plus” plan.
So downgraded to the £3 plan instead.
A bit odd that this is their pricing structure, but so be it.
