Ability to have a joint flex card that’s fully integrated with the joint account
3 Likes
It’s been said already, and I am not sure of the reasons behind the scenes for it never coming to pass before, but having an overdraft on our joint account would be a real improvement for those points just before pay day when an unexpected PayPal payment comes through and the like
7 Likes
Joint overdraft facility! This is the most important thing for me by far. We move money over into our joint account after payday each month to cover all household bills and shopping. I always find it useful to have a buffer for the odd unexpected annual payment we had forgotten about or whatever. We’ve always had this on joint accounts prior to Monzo and is the feature I personally miss the most.
9 Likes
Joint account overdraft.
Not because we’re usually ever overdrawn at the end of a day (at least not in the past 20 years) but because we want to transfer two payments into the account on the first of the month and move money to pots on the same day. That fails currently if Monzo decide to do the pot transfers before the transfers into the account.
And of course, a buffer is always reassuring, just in case.
6 Likes
I know this is said already here. But I too consider Joint account overdrafts to be the most important upgrade that I want to see. 
6 Likes
Overdraft
5 Likes
Hello. Welcome. 
In addition to what’s already been said, I’d like custom categories to double (100) with a JA plus the ability to select more than one category on JA transactions.
1 Like
- Ability to generate payment QR codes (monzo.me) to receive payment directly into a Joint account
My partner and I had the idea to set this up for people to send wedding gifts to us, but found it wasn’t available on our joint account sadly.
Also to extend that have it pay directly into a specific pot would be amazing.
3 Likes
How’s it going?
16 Likes
To be fair, there are many more months to come. No year was specified.
1 Like
Reminds me of the Annie song “tomorrow”…..
I’ve spotted two features which seem to be strangely missing from joint accounts:
- I can schedule a payment into one of my own pots, but I can’t schedule a payment into a joint account pot.
- when sharing my own account details, I can choose which details to include (eg IBAN or bank address). With a joint account, it just shares everything.
Neither are deal-breakers, but both would be nice to have!
4 Likes
Joint account always feels like an after thought for Monzo. Hopefully they’ll fix the roadmap to include joint account parity.
3 Likes
For @davidwalton’s sake I hope so
11 Likes
Made an appointment with a solicitor today to renew LPAs (need to replace existing attorneys with younger people as the present ones are all our age or older).
Reminded me that I need to move our essential Direct Debits away from the Monzo joint account.
So Nationwide FlexDirect account has now been opened, just need to wait for all the stuff to come through the post and we can start to move DDs across.
Unlike Monzo, if one of us dies they’ll just change it to a sole account so no need to move the DDs - one less thing to think about for the survivor.
8 Likes
Hmmm this is really crazy I wonder Why Monzo wouldn’t do the same as Nationwide - the same is true with joint overdrafts too. Very odd - tbh the treatment of JA’s is the only thing that irritates me about Monzo
Nationwide account opened Friday evening, credentials required for online banking arrived today. Not bad for a legacy bank.
As soon as all the essential DDs leave Monzo at the beginning of June I’ll switch them over.
We will of course keep the Monzo joint for spending, versatility of pots and savings etc, but the Nationwide offers an overdraft just in case and can stay open if one of us drops dead.
As to why Monzo can’t or won’t do this @pshores, may be because of the way they built joint accounts (to require two personal accounts in order to exist), or that they think their target demographic are too young to die.
Edit: Nationwide also appears as a linked account in paid Monzo plans so I don’t lose any visibility of funds by using it.
2 Likes
Nationwide have an effective partial switching service to move all payments over and keep old account.
2 Likes
Thanks - it’s a partial move of DDs, not all of them. But every one of them can be done via online account with the supplier, so shouldn’t take more than about 40 minutes to sort it.
Thanks for the info though, I’ll file that for future reference 
2 Likes
I suspect it may be that Monzo’s data modelling is constrained by a 1:1 relationship between customer & product for the personal account. Changing a joint account to what would effectively be a 2nd personal account for the surviving partner (upon the death of the other partner) probably cannot happen due to this constraint. Just my hunch anyway.
2 Likes