I don’t think you can make any assumptions about this, which is one of the reasons the lack of a joint account overdraft annoys me.
All our money moves around on the first of the month. One contribution each to the joint account. Money into various pots. Direct Debits for monthly bills. But we have to keep the “monthly bills” pot topped up with enough to cover all the bills going out on the first, because we can’t be sure the internal transfers will happen first.
This feels less like Monzo and more like Money to bring up a recent ad campaign…
I just gave my views on the Joint Account survey. It’s wording is embarrassingly bad. Does no-one check this shit?
At least it’s not wrong eight times. Oh no, it is. It’s wrong eight times!
I never even noticed that, instead focussing only on the title question and then the numbers for selection.
Maybe I can get a job in the 
proofing team?
In my kids primary school.they used ‘peer marking’. They got the nine year old kid next to them to check their work. A bit of that would go down a treat.
That’s really cheered up my day. I also had not noticed, but just shows these things aren’t easy to spot even when you’ve had multiple eyes on them over the lifetime of designing and writing them.
This happens to me all the time. Just did a new process today at work, everyone has read it, but it’s only after it’s live that someone picks up a big mistake haha 
I had no idea this functionality was already built in. Its fantastic but perhaps we can promote further?
This is a huge market segment
Most couples I know dont realise they have financially linked themselves with a JA
Starling offer a pot called “connected space” which they allow the account holder to share a physical card. Its limited to £200 though so not that useful.
I am unsure what the regulations are, but I agree, @HoldenCarver it would be great to have a shared account that wasnt limited and didnt link finance.
@Carlo1460 is that still the case in 2025?
Both Personal and Joint show for me on all 3 agencies. Have done for at least a year* for me.
I know monzo won’t give any reasons, but do we have any idea as to why monzo wouldn’t accept a joint account application?
You’ve answered your own question in the first seven words.
Only knows the reason.
We just went to switch from Virgin to something that actually helps us track our money 
, monzo is the obvious choice just couldn’t understand why we wouldn’t be eligible
I have been banging my head against this for almost 3 years.
Monzo offered my wife and I flex, and loans - so they think we’re credit worthy. We both have Monzo as our main accounts. We both have 980+ experian credit scores. We’ve just been accepted for a mortgage with a highstreet lender. We have significant household income.
But Monzo refuses to give us a joint account, that doesnt require credit.
My only remaining hurdle is that I have my business account with Monzo. Which I am in the process of moving away. Once thats gone, I have no guesses what other rationale there could be for not qualifying.
I think you can ask them to delete any information they hold regarding your joint account application which failed previously since they don’t have to store that information and then try again. Could be that since you already have a rejection on file, it’s impacting your future applications?
This may or may not work, of course only Monzo knows.
Can i ask them to delete information regarding the previous application? Is this actually a thing?
I doubt they will delete your information too, but I seem to recall something that they can do, to essentially “recheck from scratch” your eligibility. Unless I’m getting confused with something else.
I’ve asked for my previous application to be removed, they asked if I wanted to apply with someone else I said I wanted it removed to try again in the future and have been passed to another time… No further update yet
I contacted yesterday, and got a similar response.
They said they will delete all non-essential information, and revert back to me once done.
