thanks, yes did consider that option, but I’m still miffed at the general principal.
Monzo know they don’t need this to make it work
If you have a Samsung phone, you could use the app in secure folder when setting up the Joint account. And once it’s set up you could install the app in your device normally outside the secure folder and disable contacts permissions.
Putting this here since this works for any app. 
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But what if 
uses the link as an extra authentication step in the JA application process (aka: if both users are Monzo users and can see each other in the Monzo app, then less questions to ask)
It has been over 6 months since this update and slightly less than that from @rossmonzo ’s news of joint account improvements being put on the back burner in favour of the extra, Perks and Max roll out. Since that has now happened is there any news on advancements in joint account parity at all?
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Would love to see some improvements here
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Just because I know @Revels likes hearing me complain…
- My credit score went back up to 980 from 900. (Experian)
- My credit reports with TransUnion and Equifax at equivilent scores.
- My business turnover has demonstrably increased.
- My personal income (drawings) has doubled.
- I removed the overdraft facility as I wasnt using it.
- Monzo offered me a loan.
- Monzo say I dont qualify for a joint account still.
Next step - move my business banking elsewhere in case this is the factor.
At the cost of my own time… I am going to eliminate as many “obstacles” as I can until I figure out what “criteria” I am failing - purely for my own sanity at this point. I simply just want my money in one place, and Monzo have the best personal accounts in my opinion.
Anyone else that was previous declined had luck opening one since?
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We’ll he’ll have something fun to read when he gets back then, wont he! hah.
Ms Revels may also have audited the RSPCA contributions 
Joking aside, hope all is well.
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It’s been a while since I opened my joint account so I can’t remember the flow but perhaps the joint applicant is the issue?
I had a joint account with a previous partner in 2019, which i closed down in 2020. Back when my credit was lower, i had personal debt, and a much lower income.
My wife and I both have clean credit, excellent income, and have been monzo account holders for years. Which is the confusing part.
Yes me - I had one then switched for some money (big mistake) tried to come back as personal (failed quite a few times) finally came back but they wouldn’t let me have joint with my wife who wisely hadn’t moved - so cancelled again. Time passed and I thought I’ll give it one more go and blow me down dead readmitted to joys of personal and joint again - lesson learnt - if you have it don’t give it up!
Thanks for the tip… how very odd!
Perhaps thats the key. Maybe its something ridiculous like earlier accounts being setup differently or something. Some really menial technical issue that they just cant be arsed to fix, but cant say that out loud.
New joint account update here 
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Wish I received that one…
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I can still pass on thoughts, feelings and annoyances @davidwalton 
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You might regret that 
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He has a list…
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Features to improve Joint Accounts:
- Ability to generate payment QR codes (monzo.me) to receive payment directly into a Joint account
- Ability to link/operate a Flex account to a Joint account (Joint Flex account)
- Ability to provide an Overdraft on a Joint account
- Bill splitting feature available on a Joint account
- Paid tiers available on Joint Account - with a single JA cost (a cost of more than one person but less than two people to keep it fair) - all benefits the same as two individual people having paid tiers with Personal accounts
resulting in:
- The ability to cancel & delete Personal accounts, leaving only the Joint account
EDIT: OMG - the survey notification just turned up in-app. Answers given…
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This morning I had a direct debit fail from a Joint Account pot because the DD was taken before a transfer from a Personal to the Joint.
I expected the order to be
- Personal to Joint
- Joint to Joint Pot (because you can’t set personal to joint point as scheduled)
- Direct debit from Pot
Is this considered a bug? I thought standing orders were processed before DDs and that a Monzo to Monzo transfer would happen first.
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