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Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-plus" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>⭐️ Monzo Plus </li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-premium" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🚀 Monzo Premium</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/your-needs" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>❤️ Helping us understand your needs</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/web-logging-in-to-the-app" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>📲 Logging in </li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-flex" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🤸🏽‍♀️ Monzo Flex</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/legal-stuff" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>⚖️ The legal stuff</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/ monzo-pensions" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🌳 Monzo Pension</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/service-quality-results" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💬 Service quality survey results</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/investments" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>📈 Investments</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/ monzo-pensions-transfers" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🌳 Monzo Pension Transfers</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/isas" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🍯 ISAs</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/book-of-money" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>📖 The Book of Money</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/new-users-transactions" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💬 Transactions</li></span></a></ul></nav></aside></div></div><div class="category_navMenu__L48r_ Section_container__ToDDs Section_section__vMEm_ Section_secondary__EAXP9 stack Section_paddingnone___L3Po Section_mobileOnly__BtjwW"><div class="Section_contentContainer__AM_ay"><nav><details class="Details_Details__sA5dY"><summary><div class="Text_text__yIi78 Text_secondary__cVHbg"><p>Help articles</p></div><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.down.svg" aria-hidden="true" alt="" loading="lazy"/></summary><ul class="category_listItems__1Ocu2"><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/opening-an-account" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🚪 Opening a Monzo account</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/app-help" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>📱 App help and mobile payments</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/1p-savings-challenge" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💬 1p Savings Challenge</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/Account Security" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🔒 Account Security</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/budgeting-overdrafts-savings" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>📊 Pots, budgeting and saving</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/year-in-monzo-2024" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🎉 Year in Monzo 2024</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/overdrafts-loans" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🏦 Overdrafts and loans</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/cashback" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🤑 Cashback</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/emergencies" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🚨 Emergencies</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-extra" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🎉 Monzo Extra</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-perks" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🍩 Monzo Perks</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-max" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🚀 Monzo Max</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-card-pin" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💳 Monzo card and PIN </li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/account-and-profile" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>👤 Monzo account and profile</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-for-under-16s" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🧒 Monzo for Under 16s</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/Mortgages in Monzo" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🏡 Mortgage in Monzo</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/payments-getting-started" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💰 Payments: getting started</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/payments-troubleshooting" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🤔 Payments: troubleshooting</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/payments-paying-monzobusiness" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💬 Payments: Paying a Monzo Business</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-fraud-category" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🕵️ Fraud and staying safe online</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-with-friends" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💑 Monzo with Friends</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/switching-to-monzo" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💯 Switching to Monzo</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/travelling" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>✈ Travelling with Monzo</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/joint-accounts" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>👭 Joint accounts</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/business-accounts-signup" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💼 Monzo Business: Opening an account</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/business-accounts" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💼 Monzo Business: Make the most of your account</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/business-getpaid" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💸 Monzo Business: Get Paid</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-plus" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>⭐️ Monzo Plus </li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-premium" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🚀 Monzo Premium</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/your-needs" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>❤️ Helping us understand your needs</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/web-logging-in-to-the-app" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>📲 Logging in </li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-flex" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🤸🏽‍♀️ Monzo Flex</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/legal-stuff" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>⚖️ The legal stuff</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/ monzo-pensions" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🌳 Monzo Pension</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/service-quality-results" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💬 Service quality survey results</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/investments" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>📈 Investments</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/ monzo-pensions-transfers" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🌳 Monzo Pension Transfers</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/isas" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🍯 ISAs</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/book-of-money" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>📖 The Book of Money</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/new-users-transactions" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💬 Transactions</li></span></a></ul></details></nav><nav class="HelpBreadCrumbs_HelpBreadCrumbs__zizGx HelpBreadCrumbs_paddingleftmedium__mNzKd HelpBreadCrumbs_light__UL2Or"><a class="HelpBreadCrumbs_link__jG_t_" href="/help/"><strong>Help</strong></a><span>/</span><span class="HelpBreadCrumbs_link__jG_t_">Joint accounts</span></nav></div></div><div class="category_subcategories__3Qbqq"><section class="Section_section__vMEm_ Section_secondary__EAXP9 stack Section_paddingleftmedium__A7mNG Section_paddingrightmedium__VmJd5"><div class="Section_contentContainer__AM_ay"><h3 class="Title_title__SEYIO Title_primary__ztUzQ Title_small__rAnKV Title_left__yaXgz Title_addMargin___ly9N" id="basics">Basics</h3><ul class="HelpArticleList_articleList__8WTKM"><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/joint-accounts/what-joint-account/"><span>Understanding joint accounts</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/joint-accounts/set-up-joint-account/"><span>Opening a joint account</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/joint-accounts/current-account-joint-account/"><span>Switching between current and joint accounts</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/joint-accounts/create-pot-app/"><span>Creating Pots</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/joint-accounts/credit-score-joint-account/"><span>Joint accounts and credit scores</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/joint-accounts/close-joint-account-how-to/"><span>Closing your joint account</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li></ul></div></section><section class="Section_section__vMEm_ Section_secondary__EAXP9 stack Section_paddingleftmedium__A7mNG Section_paddingrightmedium__VmJd5"><div class="Section_contentContainer__AM_ay"><h3 class="Title_title__SEYIO Title_primary__ztUzQ Title_small__rAnKV Title_left__yaXgz Title_addMargin___ly9N" id="switching-to-monzo">Switching to Monzo</h3><ul class="HelpArticleList_articleList__8WTKM"><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/joint-accounts/types-account-switch/"><span>Switching accounts to Monzo</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/joint-accounts/joint-account-switch/"><span>Switching your joint account</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li></ul></div></section></div></div></div></div></main><div class="Footer_footerContainer__vcVmy Footer_forceDarkMode__38lE_"><footer class="Footer_Footer__mENWJ Footer_forceDarkMode__38lE_" role="menu"><div class="Footer_logo__By_cG"><a role="menuitem" href="/"><img class="Footer_logoImage__HW_kA" src="/images/brand/monzo-logo-on-dark.svg" alt="Monzo Bank"/></a></div><div class="Footer_links___OZQm"><ul><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" rel="" href="https://monzo.com/about/"><span class="Button_text__d9Ltb">About us</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" rel="" href="https://monzo.com/us/"><span class="Button_text__d9Ltb">Monzo US</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" href="https://monzo.com/blog/" rel="noopener noreferrer external"><span class="Button_text__d9Ltb">Blog</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" rel="" href="https://monzo.com/press/"><span class="Button_text__d9Ltb">Press</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" rel="" href="/careers/"><span class="Button_text__d9Ltb">Careers</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" rel="" href="/our-social-programme/"><span class="Button_text__d9Ltb">Our social programme</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" rel="" href="/accessibility/"><span class="Button_text__d9Ltb">Accessibility</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" href="https://web.monzo.com/" rel="noopener noreferrer external"><span class="Button_text__d9Ltb">Lost your phone and card?</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" rel="" href="https://monzo.com/investor-information/"><span class="Button_text__d9Ltb">Investor Information</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" rel="" href="https://monzo.com/supporting-all-our-customers/"><span class="Button_text__d9Ltb">Supporting all our customers</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" rel="" href="/money-worries/"><span class="Button_text__d9Ltb">How we can support with money worries</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" href="https://monzo.com/i/helping-everyone-belong-at-monzo/" rel="noopener noreferrer external"><span class="Button_text__d9Ltb">Helping everyone belong at Monzo</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" rel="" href="https://monzo.com/fraud/"><span class="Button_text__d9Ltb">How we protect you</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" rel="" href="https://monzo.com/tone-of-voice/"><span class="Button_text__d9Ltb">Our tone of voice</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" rel="" href="https://monzo.com/business-banking/"><span 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Our address is Broadwalk House, 5 Appold St, London EC2A 2AG.</small></p></div></div></div></div></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"title":"Joint accounts","subtitle":"Setting up, basics, switching...","categories":[{"webSlug":"opening-an-account","icon":"🚪","displayName":"Opening a Monzo account","id":"Opening a Monzo account"},{"webSlug":"app-help","icon":"📱","displayName":"App help and mobile payments","id":"need-help-card-app"},{"webSlug":"1p-savings-challenge","icon":"💬","displayName":"1p Savings Challenge","id":"1p Savings Challenge"},{"webSlug":"Account Security","icon":"🔒","displayName":"Account Security","id":"Account Security"},{"webSlug":"budgeting-overdrafts-savings","icon":"📊","displayName":"Pots, budgeting and saving","id":"overdrafts-and-savings"},{"webSlug":"year-in-monzo-2024","icon":"🎉","displayName":"Year in Monzo 2024","id":"Year in Monzo 2024"},{"webSlug":"overdrafts-loans","icon":"🏦","displayName":"Overdrafts and loans","id":"overdrafts_loans"},{"webSlug":"cashback","icon":"🤑","displayName":"Cashback","id":"cashback"},{"webSlug":"emergencies","icon":"🚨","displayName":"Emergencies","id":"emergencies"},{"webSlug":"monzo-extra","icon":"🎉","displayName":"Monzo Extra","id":"monzo-extra"},{"webSlug":"monzo-perks","icon":"🍩","displayName":"Monzo Perks","id":"monzo-perks"},{"webSlug":"monzo-max","icon":"🚀","displayName":"Monzo Max","id":"monzo-max"},{"webSlug":"monzo-card-pin","icon":"💳","displayName":"Monzo card and PIN ","id":"my-monzo-card-pin"},{"webSlug":"account-and-profile","icon":"👤","displayName":"Monzo account and profile","id":"monzo-account-and-profile"},{"webSlug":"monzo-for-under-16s","icon":"🧒","displayName":"Monzo for Under 16s","id":"monzo-for-under-16s"},{"webSlug":"Mortgages in Monzo","icon":"🏡","displayName":"Mortgage in Monzo","id":"Mortgage in Monzo"},{"webSlug":"payments-getting-started","icon":"💰","displayName":"Payments: getting started","id":"payments-getting-started"},{"webSlug":"payments-troubleshooting","icon":"🤔","displayName":"Payments: troubleshooting","id":"payments-troubleshooting"},{"webSlug":"payments-paying-monzobusiness","icon":"💬","displayName":"Payments: Paying a Monzo Business","id":"payments-paying-monzobusiness"},{"webSlug":"monzo-fraud-category","icon":"🕵️","displayName":"Fraud and staying safe online","id":"fraud-category"},{"webSlug":"monzo-with-friends","icon":"💑","displayName":"Monzo with Friends","id":"monzo-with-friends"},{"webSlug":"switching-to-monzo","icon":"💯","displayName":"Switching to Monzo","id":"switch-to-monzo"},{"webSlug":"travelling","icon":"✈","displayName":"Travelling with Monzo","id":"travelling-with-monzo"},{"webSlug":"joint-accounts","icon":"👭","displayName":"Joint accounts","id":"joint-accounts"},{"webSlug":"business-accounts-signup","icon":"💼","displayName":"Monzo Business: Opening an account","id":"business-accounts-signup"},{"webSlug":"business-accounts","icon":"💼","displayName":"Monzo Business: Make the most of your account","id":"business-accounts"},{"webSlug":"business-getpaid","icon":"💸","displayName":"Monzo Business: Get Paid","id":"business-getpaid"},{"webSlug":"monzo-plus","icon":"⭐️","displayName":"Monzo Plus ","id":"monzo-plus"},{"webSlug":"monzo-premium","icon":"🚀","displayName":"Monzo Premium","id":"monzo-premium"},{"webSlug":"your-needs","icon":"❤️","displayName":"Helping us understand your needs","id":"your-needs"},{"webSlug":"web-logging-in-to-the-app","icon":"📲","displayName":"Logging in ","id":"Logging-in-to-the-app"},{"webSlug":"monzo-flex","icon":"🤸🏽‍♀️","displayName":"Monzo Flex","id":"Monzo Flex"},{"webSlug":"legal-stuff","icon":"⚖️","displayName":"The legal stuff","id":"legal-stuff"},{"webSlug":" monzo-pensions","icon":"🌳","displayName":"Monzo Pension","id":"monzo-pensions"},{"webSlug":"service-quality-results","icon":"💬","displayName":"Service quality survey results","id":"service-quality-results"},{"webSlug":"investments","icon":"📈","displayName":"Investments","id":"investments"},{"webSlug":" monzo-pensions-transfers","icon":"🌳","displayName":"Monzo Pension Transfers","id":"monzo-pension-transfers"},{"webSlug":"isas","icon":"🍯","displayName":"ISAs","id":"ISAs"},{"webSlug":"book-of-money","icon":"📖","displayName":"The Book of Money","id":"book-of-money"},{"webSlug":"new-users-transactions","icon":"💬","displayName":"Transactions","id":"new-users-transactions"}],"subCategories":[{"fields":{"displayName":"Basics","id":"joint-account-basics","countryCodes":["GBR"],"availableInLocale":true,"items":[{"fields":{"platforms":[{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}}],"id":"joint-account-usage-web","countryCodes":["GBR"],"availableInLocale":true,"question":"Understanding joint accounts","answer":"Monzo offers the ability to create a joint account 👥 A joint account is a separate account from your personal account that you share with someone you know. \n\nBoth people on a joint account will get a debit card so you can both easily spend from the account. Joint accounts also have their own unique account number, so you can easily use it to pay bills or save for shared goals\n\nYou’ll still keep your personal Monzo account and card, and you can easily view both accounts anytime in the app 💳 The personal and joint account cards will look different visually, making it easy to know where you are spending from.\n\n💡Pro tip: You don’t have to be a couple to open a joint account! Whether you’re married, siblings, or even just roommates, a joint Monzo account makes it easy to track who made each transaction. \n\nWhen you make a joint account, the only thing that is shared is that account - your personal account will remain private and not visible to the other joint account owner.\n\nℹ️ Please note: Ownership of the joint account itself is equally split between the two account owners - neither person will have more access to the features than the other. So you should only open a joint account with someone you trust.","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"what-joint-account","excludeFromOutsourcing":false,"copLabel":"account-management"}},{"fields":{"platforms":[{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"basics-joint-account-web","countryCodes":["GBR"],"availableInLocale":true,"question":"Opening a joint account","answer":"You can open a joint account in the Monzo app:\n\n1. Tap the Home icon in the menu bar\n2. Tap the ‘plus’ icon in the top right of the screen\n3. Tap **Apply for a Joint Account**\n\nMake sure you have your account co-owner's details saved in your contacts, and that you have Payments with Friends switched on in your app settings – otherwise you won't be able to get started!","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"set-up-joint-account","excludeFromOutsourcing":false,"copLabel":"account-management"}},{"fields":{"platforms":[{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}}],"id":"joint-account-switcher-web","countryCodes":["GBR"],"availableInLocale":true,"question":"Switching between current and joint accounts","answer":"Our new Home screen now gives you direct access to your Personal and Joint accounts.\n\nHowever, to change the account you want to pay someone from, or to access your bill splits and shared tabs for a specific account, here’s what to do:\n\n- Tap on __Payments__ at the bottom of your Home screen\n- Tap on the account at the top left hand side of the screen\n- Select either the __Personal__ or __Joint__ account you want to look at","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"current-account-joint-account","excludeFromOutsourcing":false,"copLabel":"account-management"}},{"fields":{"platforms":[{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"pots-create-how","countryCodes":["GBR"],"availableInLocale":true,"question":"Creating Pots","answer":"Here’s how to make a Pot in your Monzo app:\n\n1. tap the __+__ icon in the top right corner\n2. tap __Create a Pot__\n4. choose the type of Pot you'd like to open\n5. personalise your Pot\n6. add some money (or skip this step with Regular Pots)\n\nThat’s it!","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"create-pot-app","excludeFromOutsourcing":true,"copLabel":"savings"}},{"fields":{"platforms":[{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"credit_score_monzo_joint_account","countryCodes":["GBR"],"availableInLocale":true,"question":"Joint accounts and credit scores","answer":"When you open a joint account, it can affect your credit score. \n\nThat’s because credit reference agencies know that two people are responsible for that account. So there’s a link between the two owners. \n\nThat means if that person’s credit score is very low, a lender might turn you down for credit. But, if you’re a glass half-full kind of person - if you have a joint account with someone with a high credit score, they might offer you credit.","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"credit-score-joint-account","excludeFromOutsourcing":false,"copLabel":"lending-eligibility"}},{"fields":{"platforms":[{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"joint-account-closure-web","countryCodes":["GBR"],"availableInLocale":true,"question":"Closing your joint account","answer":"You need to withdraw all the money from your joint account before you can close it. \n\n1. Tap the __Help__ icon in the menu bar\n2. Search __Closing your joint account__\n3. Tap __Close__ account at the bottom of the article","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"close-joint-account-how-to","excludeFromOutsourcing":false}}],"webSlug":"basics"}},{"fields":{"displayName":"Switching to Monzo","id":"switching-joint-account","countryCodes":["GBR"],"availableInLocale":true,"items":[{"fields":{"platforms":[{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"ja-cass-account-type","countryCodes":["GBR"],"availableInLocale":true,"question":"Switching accounts to Monzo","answer":"### Switching your current account to Monzo\nYou can switch your current account to a Monzo current account. However, it's not possible to switch an old joint account to a Monzo current account.\n\n### Switching to a joint account with Monzo\nYou can switch both current and joint accounts to a Monzo joint account.\n\n### Switching to a Monzo Business account\nYou can switch both sole trader and Limited Company accounts to a Monzo Business account.","buttons":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"5jorMEOmd2yO84uSGaUEEe","type":"Entry","createdAt":"2018-04-25T13:26:47.460Z","updatedAt":"2020-04-09T13:18:18.208Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":59,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpButton"}},"locale":"en"},"fields":{"internalDescription":"CASS flow (iOS + Android)","uri":"monzo://cass/prompt","platforms":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"1UKSUTAqsgwo0EI44o4a2S","type":"Entry","createdAt":"2018-02-08T18:37:16.405Z","updatedAt":"2025-02-26T07:53:28.576Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":36,"revision":10,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"platform"}},"locale":"en"},"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"2xEqCSAqgICyYqAC0yEO6q","type":"Entry","createdAt":"2018-02-08T18:36:58.516Z","updatedAt":"2025-02-26T07:53:28.540Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":30,"revision":7,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"platform"}},"locale":"en"},"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}}],"buttonText":"Switch to Monzo"}}],"rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"types-account-switch","excludeFromOutsourcing":false,"copLabel":"payments"}},{"fields":{"platforms":[{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"joint-account-cass-web","countryCodes":["GBR"],"availableInLocale":true,"question":"Switching your joint account","answer":"You can easily switch your accounts to Monzo - including your joint account. \n\nWe’ve teamed up with the [Current Account Switch Service](https://www.currentaccountswitch.co.uk/) to make switching your account a breeze.\n\n### What is the Current Account Switch Service?\n\nIt’s a non-profit organisation that lets people move quickly and easily between bank accounts. No trips to the bank. No messing with IDs and statements. \n\nYou just tell us when you want to switch, and we'll get it done in 7 working days. We’ll move your money and payments (like Direct Debits and standing orders), and close down your old account for you.\n\n### What accounts can I switch to Monzo?\n\nYou can switch any of these:\n\n- **Current accounts**\n- **Joint accounts** (as long as you’re not trying to switch an old joint account to a Monzo Current Account)\n- **Business accounts** (you can switch both sole trader and Limited Company accounts to a Monzo Business Account)\n\n### What will I need to be able to switch?\n\nYou’ll need these things:\n\n- The account number and sort code of the account you want to switch from \n- The last 5 digits of your old account's card \n- The last 5 digits of your partner's old card\n\n### How do I switch in the app?\n\nIf you’re using our new app layout:\n\n- Tap the **Home** icon on the menu bar\n- Tap the blue **+** button at the top right hand corner\n- Select **Switch to Monzo** and follow the process\n\nIf you’re using an older app layout:\n\n- Tap the **Home** tab at the bottom of the app\n- Tap on the three dots on the account you want to switch to\n- Tap **Switch to Monzo** and follow the process","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"joint-account-switch","excludeFromOutsourcing":false,"copLabel":"payments"}}],"webSlug":"switching"}}],"currentPage":"joint-accounts","countryCodes":["GBR"]},"__N_SSG":true},"page":"/help/[category]","query":{"category":"joint-accounts"},"buildId":"GaT8YPQHPfTwVwc6o3sDA","isFallback":false,"gsp":true,"scriptLoader":[]}</script></body></html>