Simplify shared costs with a joint bank account
Household bills, sorted. Holidays together, hassle-free. Make your lives easier and manage shared costs with a joint bank account.
You'll both need a Monzo account. Aged 18+. UK residents only. Ts&Cs apply.
Manage your money together
Partner, spouse, housemate or soulmate – you can open a joint account with whoever you like. As long as you both already have a Monzo current account, you're eligible to apply.
With a joint bank account, you each get a pearlescent white debit card to use for shared spending and saving.
Sharing, made simple
Constantly transferring money back and forth? There's an easier way to share costs.
Use your joint bank account to spend on whatever you like – from household bills and subscriptions, to weekly groceries and pet supplies.
Apply for a joint bank account in minutes
You'll both need a Monzo current account.
Open Monzo
In the app, tap '+' in the top right corner, and then 'Apply for a joint account'.
Sign up
Follow the steps on screen.
Get your cards, fast
Once approved, your cards should arrive within days. While you wait, you can add your details to Google Pay or Apple Pay to start spending straight away.
Supercharge your shared savings
Earn 3.35% AER interest (variable), paid monthly, on your combined savings with an Instant Access Savings Pot. There's no minimum deposit, and you can deposit up to £500,000 per person.
Already have one in your personal account? You can get an extra Instant Access Saving Pot if you open a joint bank account.
Packed with the best of Monzo
A fully licensed UK bank
Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Protection for your money
The Financial Services Compensation Scheme (FSCS) protects your eligible deposits in Monzo up to a value of £85,000 per person.
A better way to manage cash
With features like in-app cheque deposits, and cash deposits across all UK Post Offices and PayPoints.
24/7 customer support
We don’t have opening or closing hours. Message us in the app whenever you need help, wherever you need it.
Spend abroad with no fees
Pay anywhere, in any currency, with no foreign transaction fees. We pass Mastercard's exchange rate directly onto you, without sneaky fees or extra charges.
Interest on your savings
Earn 3.35% AER (variable) paid monthly with a joint Instant Access Savings Pot. No minimum deposit, add up to £500,000 per person. Withdraw your money instantly, any time.
Switch to Monzo
Got a joint account with another bank?
We can move everything over to Monzo for you with the Current Account Switch Service.
Joint bank account key info
Find other important info about joint bank accounts in our Help section.
You’re financially linked to whoever you open the shared account with
When you open a Monzo Joint Account with someone, you become linked to them financially. That means you can be jointly credit-scored, and their credit history can have an impact on yours.
Overdrafts are only available for personal accounts
You can have an overdraft in your personal account but not your joint account.
You need photo ID and a personal account to open a joint account
We accept passports, driving licenses (provisionals are fine), national ID cards and biometric resident permits. You also need to be at least 18 years of age and live in the UK full time.
You’re joint owners of whatever’s in your joint account
Even if one of you contributes a lot more money, legally anything in the account is split equally. It’s important you trust who you’re planning to open a joint account with.
You can close your joint account in the app
First, you or the person you share your account with need to withdraw all the money from your joint account. After that you’re free to go ahead and close the account from in the Monzo app.
Open a free current account
Download the Monzo app on iOS or Android and join more than 11 million personal and business customers who've changed the way they bank.
