{"id":568125,"date":"2025-11-07T13:35:40","date_gmt":"2025-11-07T13:35:40","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=568125"},"modified":"2026-02-04T16:18:43","modified_gmt":"2026-02-04T16:18:43","slug":"monzo-joint-accounts","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/joint-bank-accounts\/monzo-joint-accounts","title":{"rendered":"Monzo joint accounts"},"content":{"rendered":"<p>Opening a joint account can enable you and a friend or partner to easily pay household bills or cover the cost of joint holidays. But what does digital provider Monzo have to offer? <\/p><h3>Our verdict: Is a joint account with Monzo worth it? <\/h3><p>If you and your housemate or partner already hold a personal Monzo bank account, opening a joint account with the bank could make a lot of sense if you want to manage your joint finances more easily. The fact that you can earn interest on your joint savings pot makes it even more attractive.<\/p><p>However, you\u2019ll need to be happy managing your money via the app only, and keep in mind that this is a relatively basic bank account, so if you\u2019re looking for an account with more in the way of features and perks, including an overdraft, you\u2019ll need to look elsewhere. <\/p><h3>Pros and cons of a joint Monzo account<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Enables you to pay for shared bills and split payments with ease<\/li>\n                                    <li>You can also set up a joint savings pot within your account<\/li>\n                                    <li>Benefit from fee-free spending abroad<\/li>\n                                    <li>Accounts have FSCS protection<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Certain perks only apply to your joint account if both account holders have a paid plan<\/li>\n                                    <li>Limited features compared to some of its competitors<\/li>\n                                    <li>No overdraft available<\/li>\n                                    <li>Can only manage your account via the app<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" 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<\/div>\n\n  <div class=\"eeQuote__finderLozenge--mobile\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\">\n      <path d=\"M0 12C0 5.37258 5.37258 0 12 0C18.6274 0 24 5.37258 24 12C24 18.6274 18.6274 24 12 24C5.37258 24 0 18.6274 0 12Z\" fill=\"#1D53FF\"><\/path>\n      <g clip-path=\"url(#clip0_5290_9827)\">\n        <path d=\"M15.3179 6.63123H3.31543V12C3.31543 14.9651 5.71907 17.3688 8.6842 17.3688C9.9428 17.3688 11.1005 16.9335 12.0152 16.2048L12.0562 16.2679C12.9584 16.9587 14.0908 17.3688 15.3147 17.3688C18.2799 17.3688 20.6835 14.9651 20.6835 12C20.6835 9.03487 18.2799 6.63123 15.3147 6.63123H15.3179Z\" fill=\"white\"><\/path>\n        <path d=\"M17.6107 8.88653C17.229 8.88653 16.8726 9.03163 16.5603 9.28083C16.8158 9.47956 16.9862 9.78553 16.9862 10.1357C16.9862 10.735 16.5004 11.2208 15.901 11.2208C15.7717 11.2208 15.6519 11.1955 15.5351 11.1545C15.4815 11.4227 15.4531 11.7066 15.4531 11.9999C15.4531 13.7191 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9.47956 10.3563 9.78553 10.3563 10.1357C10.3563 10.735 9.8705 11.2208 9.27117 11.2208C9.14184 11.2208 9.02197 11.1955 8.90526 11.1545C8.85163 11.4227 8.82324 11.7066 8.82324 11.9999C8.82324 13.7191 9.78849 15.1165 10.9808 15.1165C12.1732 15.1165 13.1384 13.7222 13.1384 11.9999C13.1384 10.2776 12.1732 8.88338 10.9808 8.88338V8.88653Z\" fill=\"#232320\"><\/path>\n      <\/g>\n      <defs>\n        <clippath id=\"clip0_5290_9827\">\n          <rect width=\"18\" height=\"11.3684\" fill=\"white\" transform=\"translate(3 6.3158)\"><\/rect>\n        <\/clippath>\n      <\/defs>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: Is Monzo's Double Payday feature worth switching for? <\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"Monzo has a new feature where each month, 10 lucky customers get double their salary (capped at a maximum of \u00a310,000). For example, if your take-home pay is \u00a32,000, Monzo will add an extra \u00a32,000 to your account. Sounds amazing, right? Let\u2019s see. This kind of perk is designed to encourage you to use Monzo as your main bank account. To qualify, you\u2019ll need to move your salary to Monzo, either by informing your employer or by using the Current Account Switch Service. But is it worth switching for? At the time of writing, Monzo has around 12.5 million current account customers in the UK, which means your odds of having your salary doubled are roughly 1 in 1.25 million. In other words, it shouldn\u2019t be the deciding factor. It\u2019s a fun bonus if you happen to be one of the lucky 10, but not a reason to switch on its own.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Kate Steere's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\">\n                            <\/figure>\n                                                            <div class=\"eeQuote__finderLozenge\">\n  <div class=\"eeQuote__finderLozenge--desktop\">\n    <svg width=\"19\" height=\"12\" viewbox=\"0 0 19 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n      <path d=\"M13.0023 0.332947H0.333008V5.99998C0.333008 9.12984 2.87019 11.667 6.00004 11.667C7.32857 11.667 8.55054 11.2075 9.51614 10.4384L9.55942 10.505C10.5117 11.2342 11.707 11.667 12.9989 11.667C16.1288 11.667 18.666 9.12984 18.666 5.99998C18.666 2.87013 16.1288 0.332947 12.9989 0.332947H13.0023Z\" fill=\"white\"><\/path>\n      <path d=\"M15.4225 2.71353C15.0196 2.71353 14.6434 2.8667 14.3137 3.12974C14.5834 3.33951 14.7632 3.66248 14.7632 4.03207C14.7632 4.6647 14.2505 5.17746 13.6178 5.17746C13.4813 5.17746 13.3548 5.15083 13.2316 5.10754C13.175 5.39056 13.145 5.69023 13.145 5.99988C13.145 7.81453 14.1639 9.28956 15.4225 9.28956C16.6811 9.28956 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                                        <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/katesteere\" itemprop=\"url\" target=\"_blank\">\n                                Kate Steere\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Editor<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>Does Monzo offer a joint account?<\/h3><p>Yes. The account comes with a pearlescent white debit card for each account holder for shared spending, and you will also benefit from fee-free spending abroad.<\/p><p>What\u2019s more, as Monzo is a fully licensed UK bank, your joint funds will be protected up to \u00a3120,000 per person under the Financial Services Compensation Scheme (FSCS).  <\/p><h3>Which accounts are joint? <\/h3><p>The Monzo joint account is separate from the individual Monzo accounts. To qualify, both people must already have a Monzo personal account.<\/p><p>You can have the free version or a paid plan offering extra features, but some of those premium perks only apply to the joint account if both account holders have a paid Monzo plan. <\/p><p>Within your joint account, you can also open an instant access savings pot and earn interest on your shared balance.<\/p><h3>How do I get a joint account with Monzo?<\/h3><p>To open a joint account with Monzo, you will both need to have your own personal account with the bank. Once your account is up and running, follow the steps below:<\/p><ol><li>Go into the app and tap the Home icon in the menu bar<\/li><li>Tap the \u2018plus\u2019 icon in the top right of the screen<\/li><li>Tap Apply for a Joint Account<\/li><\/ol><p>If you have the co-owner\u2019s details saved in your contacts and you have Payments with Friends switched on in your app settings, you can select the co-owner from the list. Otherwise you can tap on \u2018invite someone\u2019 and this generates a link you can send to the other person. This link expires after 24 hours. <\/p><p>Once the other person has clicked on the link, your account should be ready to go. Note that your joint account is the only shared account \u2013 your personal account will remain private and not visible to the other joint account owner. <\/p>","protected":false},"excerpt":{"rendered":"<p>We explore what the Monzo joint bank account has to offer.<\/p>\n","protected":false},"author":1047,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[130206],"tags":[],"asset_tag":[],"class_list":["post-568125","post","type-post","status-publish","format-standard","hentry","category-joint-bank-accounts"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - 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