I hope so but Iāll believe it when I see it!
The fact they wonāt be ISAs and can therefore side-step the ālinked to one personā reasoning behind not offering ISAs for Joint Accounts - Iām not sure how we canāt expect it?
Here is the reasoning behing no ISAs on Joint Accounts - nothing about the other savings pots on the way.
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Some well developed discussions are happening over here ISAs š°
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Just to put the usefulness of an ISA into contextā¦based on a ~1% interest rate (which is whatās available via Monzo/Investecās savings pot), you need to have over Ā£100k saved for you to need to be worried about being taxed on the interest youād earn, as a basic-rate taxpayer, and over Ā£50k saved as a higher rate taxpayer. This is because everyone has a personal savings allowance: https://www.gov.uk/government/publications/personal-savings-allowance-factsheet/personal-savings-allowance
Ā£33333 in a Marcus 1.5% Ā£66666 as basic rate taxpayer.
Itās an incredibly short sighted viewpoint though to cast ISAās aside. An ISA isnāt supposed to be a one year thing, youāre supposed to save in them every year and it will always be tax free, even if you eventually have a million quid in the account.
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Open a flexible Monzo ISA, then yoyo your money between the ISA and Marcus every April.
Keep as much of your allowance as you can and get max interest for easy access as well.
I will definitely eventually pick up a Flexible ISA as I do think that they can be useful - Iām also fairly certain that the cap increases year on year.
We may also get to a point where the ISA interest rates are more favourable again, so having a kitty that can be transferred over and ready would blow anything else out the water.
It does, my understanding of a flexible ISA is that you can roll the cap back through previous years - to the date the ISA was opened when flip flopping your money about.
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Iāve built mine up since they first became available. This year is the first time Iāve struggled to get all the cash together and back in though, because Iāve got too much in regular savers. Oops!
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Quite so, and Ā£100,000 sat in a conventional savings account would take 5 years to relocate into an ISA. Thatād be a real blow if ISA rates improved 
.
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Will there be there any option to open a non-ISA savings account in Monzo?
Yes, other integrations from Oak North are coming soon
Obviously it was important to prioritise the ISA owing to the end of tax year
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Please can we close some of the other ISA topics now, itās hard work to follow the ISA discussion and people are repeating stuff.
@cookywook @simonb @Rat_au_van @anon99402360 @nexusmaniac 
EG
https://community.monzo.com/t/isas/62035/
AND
https://community.monzo.com/t/join-the-waitlist-for-isas-with-monzo/60892/
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Done. Send me a DM if youād like me to look at any others 
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Has this been cleared up?
Indeed with an account called āFlexible Savings Pot ISA from OakNorthā it would be very misleading if it wasnāt a flexible ISA.
Yeah it doesnāt help that the āEasy Access Savings Pot ISAā that OakNorth provides directly isnāt flexible, nor can I see anything that they offer is flexible. 
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Not yet 
- Iām not personally interested in the ISA itself but kinda want to clear it up for the Forum.
The title of the pot and the Which? report suggest flexibility. But OakNorth donāt have a flexible product.
All very confusing right now
I suspect it isnāt and theres a lot of problems comingā¦
Well if theyāve misused flexible to mean easy access thatās pretty embarrassing, and turns it into the same product doesnāt it? (apart from missing 0.3% by having it integrated)
Easy Access Savings Pot ISA 1.14%
vs
Easy Access Savings Pot ISA 1.44%
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Yeah the only differences being the āminimumā put-in to get it rolling and the interest rate.
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It doesnāt matter what OakNorth provide. According to the terms, the ārelationship is with Monzo as the ISA manager and not the Providerā (OakNorth). You therefore can not compare what Monzo is providing and what OakNorth does as they are separate products.
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