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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.

Join the waitlist

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

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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.

Sign up screen for Joint Accounts

Supercharge your shared savings

Grow your money with 1.6% AER (variable), with interest paid monthly on joint Instant Access Savings. There’s no minium deposit and you can save up to €100,000 per person.

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

Joined at the hip? Then join the waitlist.

Once you’ve both secured early access to a personal account, the two of you can then apply for a joint account.

Join the waitlist

Sign up in a couple of minutes for both of you to get on the waitlist. Download the app to see your position and how to jump ahead.

Secure an invite

If an invite arrives in your inboxes, you can both sign up to an early version of the Monzo current account.

Get Monzo for you, and for both of you!

Once both your accounts are sorted, you can then apply for a joint account – no need to go back to the waitlist!

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Less bill-splitting, more dessert-sharing

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.

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.

1.6% interest. Interested?

Grow your money without locking it away. Earn a great interest rate on your savings, available with a free Monzo current account.

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 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 sneaky fees or 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 16 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.

Join the waitlist

14 million personal and business customers in the UK already bank with Monzo – now it’s Ireland’s turn. Join the waitlist now for the chance to get early access.