What’s the issue with linking finances with your partner if you’re committed to the point of opening a joint account.
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We just want a clean hassle free way to share modest joint expenses. Each contribute to account, each spend from it to run our household. Applicable to shared houses and earlier stage couples.
Joint Accounts link your credit rating/history and would drag/impact the other person.
Necessary for mortgage lending, crazy for buying groceries.
From my understanding, every “joint account” with a bank in the UK will link you on credit reports financially. This is because all parties are financially responsible/liable if anything goes wrong.
Yes, you may only use it for groceries, but it’s still money belonging to all parties and so you are linked as you are both responsible for the money in that account.
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Joint accounts should have at least 3 free virtual cards, we have to have personal accounts to have a joint (unless that has changed, as we only use the JA it’s pointless to pay for the personal subscriptions just to use one thing!
If that’s the only thing you care about, what’s the difference? Other than you wanting something for free?
Pay £3 and you can use them on your joint account.
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I know, but I would like to keep everything in Monzo, as I’ve already been to Starling was getting interest until February on joint accounts, there should be an option for the basics 
So Monzo have offered me the ISA and the Pension investment options now… but still not eligible for a Joint Account.
One day…
Lucky… I can’t have the investment, pension or joint 
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Hey everyone 
I’m Sasha, a designer here at Monzo working on all things Joint Accounts 
I wanted to post a message to introduce myself to the Community (hellooo) and also to say that we’ve been working hard to bring parity to our joint account offering. Your feedback is proving vital in making this happen, so thank you!
Expect more of this to come in the coming months, but for now, I wanted to ask one question: if you could change one thing about the Monzo joint account, what would it be and why?
This could be anything from making your bills easier to manage to having custom card designs for your joint account, the wilder the better!
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Hi. Welcome!
My biggest issue is that the paid offerings don’t move with new features. I use the sheets export, it’s my favourite feature but it doesn’t work with virtual cards from pots, it doesn’t track interest.
Oh and salary sort from my personal account to joint pots
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Being able to schedule into a Joint Pot would make our lives so much simpler.
We both schedule to the joint account then have another schedule the next day to move from the joint main balance to joint pots. It makes our feed super cluttered every month.
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Let’s not waste our time here. Monzo know what needs to be done with Joint Accounts and choose not to do it. Another member of staff introducing themselves and stating ‘in the coming months’ changes nothing.
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Apply my monzo max benefits to joint, interest rates for example.
Pay for monzo max from joint
Pay my monzo flex from joint
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I haven’t given this much thought, but here are a few:
Features to improve Joint Accounts:
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Ability to generate payment QR codes (monzo.me) to receive payment directly into a Joint account
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Ability to link/operate a Flex account to a Joint account (Joint Flex account)
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Ability to provide an Overdraft with a Joint account
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Bill splitting feature available with a Joint account
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Shared Tab feature available with a Joint account
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Paid tiers available with a 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:
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The ability to cancel & delete Personal accounts, leaving only the Joint account.
Affected by the above: U16 accounts - management via a Joint Account - each Joint account user should be able to manage a linked U16 account.
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- Joint account overdrafts
- Ability to pay Flex balance from a joint account
- Set Trends Targets on the Joint account that apply to both users.
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+1 for all of the points raised in your post. Hit the nail on the head.
In particular, joint account management of U16 accounts would be extremely beneficial in my household.
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Everything David has said, especially overdraft and flex card. I think any paid tiered joint account would need more thought because the benefits of the paid accounts currently are very much geared towards individuals.
Household phone insurance, breakdown cover, travel insurance (with option to include medical conditions), better saving rates (i know the arguments around paying to get higher rates is counterintuitive but it’s a nice to have) and maybe some kind of cashback for direct debits given that our household is run through the joint account would be great.
We currently use an Amex cashback card for the shop and any other joint spending, and being able to move that over to Flex where we can both see what the other has spend without exporting statements would be helpful for the monthly reconciliation.
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To this I would add: the ability to pay specific Flex transactions from the joint account. That would be a game changer.
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These two related features are the biggest thing for me. You can currently generate split the bill requests from a joint account transaction but when people pay you back it goes into your personal account. Very irritating and makes split the bill useless for joint accounts as it’s more hassle than it’s worth. Apparently it used to work.
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