Couple in cafe checking their phone over coffee

Simplify shared costs with a joint bank account

Household bills, sorted. Holidays together, hassle-free. Make doing life easier with a joint bank account that’s also easy to open.

Open a free bank account

You'll both need a Monzo account. Aged 18+. Ts&Cs apply.

Hot coral card and white joint account card

One for you, one for me

Simplify household spending and prepare for the future together with our free joint account. Partner, spouse, housemate or soulmate – as long as you’re both Monzo customers you're eligible to apply.

And with a joint bank account, you each get a pearlescent white debit card to use for shared spending and saving.

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Supercharge your shared savings

Grow your money with 1.6% AER (variable) paid monthly on joint Instant Access Savings. There’s no minium deposit. AER (Annual Equivalent Rate) paid monthly, interest is subject to Deposit Interest Retention Tax (DIRT).

We're part of the Deposit Guarantee Scheme, meaning your eligible deposits are protected up to €100,000.

Open a free bank account

Apply for a joint bank account

Ditch the payment ping-pong and manage shared money with a free Monzo Joint Account.

Open a free personal account

If you haven’t already, you’ll need to open a free personal account.

Tap ‘+’ in the corner of your app

It’s in the right hand corner. Once you’ve found it click ‘Apply for a joint account’.

Start shared spending

Once approved your cards should arrive within days. Start shared spending straight from your digital wallet.

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 communal coffee beans and the Friday night spice bag.

Open a free bank account

Packed with the best of Monzo

A bank built for Ireland

We’ve been granted an Irish banking licence from the Central Bank of Ireland and we’re creating a new type of bank for you, with you.

Your money protected

We're part of the Deposit Guarantee Scheme, meaning eligible deposits are protected up to €100,000.

Interest on your savings

Earn 1.6% AER (variable) paid monthly with free Instant Access Savings. There’s no minimum deposit, and you can access your money anytime.

No hidden fees or charges

We don’t charge you monthly maintenance fees or hit you with any surprise charges for using your card abroad.

Humans on hand

We’re here to hear from you whenever you need, with 24/7 in-app support from real humans if anything urgent comes up.

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 extra charges.

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 joint bank 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.

You need photo ID and a personal account to open a joint bank account

We accept passports, driving licences (provisionals are fine), national ID cards and biometric resident permits. You also need to be at least 18 years of age and live in Ireland full time.

You’re joint owners of whatever’s in your joint bank 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 bank 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 bank account

Join over 15 million personal and business customers in the UK already banking with Monzo.