Can I have a virtual card with a joint account?

When you create a virtual card, you can choose to have it linked to your personal account or joint account.

For virtual cards linked to joint accounts, you will only be able to see the cards you’ve created, but you will not be able to see any virtual cards your joint account holder creates. Your joint account holder will also only be able to see the cards they create, but none that you create.

Virtual cards have a limit of 5 cards per account holder. If you have a joint account, you can have up to 10 virtual cards between you and your joint account partner connected to your joint account.

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Monzo is a financial technology company; not a bank. All banking services are provided by Lead Bank, Member FDIC. The Monzo Personal and Joint Debit Card is issued by Lead Bank, Member FDIC, pursuant to licensing by Mastercard International Inc. See Lead Bank Terms and Lead Bank Cardholder Agreement for more details.

As of June 18, 2025, the Annual Percentage Yield (APY) accrued from Monzo’s Savings Jar is 3.75% with a Monzo Preferred subscription and 2.00% APY for Monzo Everyday users. Interest rates are variable and may change. Fees may reduce earnings. The interest comes from us, not Lead Bank. Your total Savings Jar balance is capped at $100,000. See Lead Bank Interest-Bearing Account Agreement for more details.

Funds held in the Monzo deposit accounts are held with Lead Bank, Member FDIC, and are eligible for up to $250,000 in pass-through insurance in the event Lead Bank fails and if specific deposit insurance requirements are met and your card is registered. FDIC insurance does not protect funds in the event of Monzo’s failure or from the risk of theft or fraud. See FDIC Prepaid Cards and Deposit Insurance Coverage.

Monzo Preferred is an optional monthly paid, subscription membership program. Subscribers will be charged every month. Once enrolled, subscribers have access to Monzo’s highest APY, cashback rewards, exclusive upgraded benefits and access outside of Monzo’s basic offerings. Please see Lead Bank Terms for more details.

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