A Monzo joint account is a separate account you share with one other person, with its own account number and a debit card for each of you. You keep your personal Monzo account and card, and the other person can't see your personal account.
The point most people skip: a joint account links you on paper. Your credit scores stay separate and don't merge, but opening the account creates a financial association between you, so a missed payment or an unarranged overdraft on the joint account can affect both your individual scores. Monzo also splits ownership equally, so neither of you gets more control than the other. Its own advice is to only open one with someone you trust.
What you share and what stays private
| Feature | How it works on a Monzo joint account, as of October 2026 |
|---|---|
| Who can open one | Any two people, not just couples: partners, siblings or flatmates |
| Cards | Both of you get a debit card, which looks different from your personal card |
| Account number | Its own unique number, so you can pay bills from it |
| Your personal account | Stays private and isn't visible to the other owner |
| Ownership | Split equally, with the same access to features for both |
| Transactions | The app shows who made each one |
Because the cards look different, it's easy to tell at the till which account you're spending from. Monzo's new Home screen gives you direct access to both your personal and joint accounts.
How to open a joint account in the app
- Tap the Home icon in the menu bar.
- Tap the plus icon in the top right of the screen.
- Tap Apply for a Joint Account.
- Pick your co-owner from your contacts, which works if they're saved in your phone and you have Payments with Friends switched on in your app settings.
- Or tap invite someone to create a unique link and send it to them.
That invite link expires after 24 hours for security. If your co-owner doesn't use it in time, you'll need to send a new one.
Paying from the right account
When you want to pay someone, or use Monzo Split, from a specific account, tap Payments at the bottom of your Home screen, tap the account name at the top left and choose Personal or Joint. It's a small step, but it's the one that stops a shared bill coming out of your personal balance.
Switching an existing joint account to Monzo
Monzo uses the Current Account Switch Service, a non-profit service that moves accounts between banks without branch visits or paperwork. You tell Monzo when you want to switch, and it gets it done in 7 working days, moving your balance and payments like Direct Debits and standing orders, and closing your old account for you.
| Switching from | Can it move to Monzo? |
|---|---|
| A current account | Yes, to a Monzo current account or a Monzo joint account |
| An old joint account | Yes, to a Monzo joint account, but not to a Monzo current account |
| A sole trader or limited company account | Yes, to a Monzo Business account |
Before you start, have three things ready: the account number and sort code of the account you're leaving, the last 5 digits of your old card, and the last 5 digits of your partner's old card. Then tap the Home icon, tap the blue plus button in the top right and select Switch to Monzo.
Pots inside a joint account
Pots are how you set funds aside for shared goals. To make one, tap the plus icon in the top right corner, choose the type of Pot, personalise it and add a starting balance. Regular Pots let you skip that last step and fill it later.
Joint accounts and your credit file
Here's how Monzo explains the knock-on effects. If you apply for a personal loan on your own, a lender may look at the credit score of the other person on your joint account when it decides. If you apply for joint credit, such as a joint loan, overdraft or mortgage, lenders look at both scores, and the decision can affect each of your individual scores.
To end the link, close any joint financial products first, then ask each credit reference agency to end your financial association. Monzo names Equifax and TransUnion, and it's free to do.
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Closing a Monzo joint account
- Move the whole balance out first. Monzo won't close a joint account with funds still in it.
- Tap the Help icon in the menu bar.
- Search for Closing your joint account.
- Tap Close account at the bottom of the article.
My verdict on Monzo joint accounts
I'd open one if you share bills or savings goals with someone you trust, because the separate card, separate account number and privacy of your personal account make the split clean. I'd think twice if your finances with that person are shaky, because the financial association means their missed payments can show up on your file, and unpicking it means closing joint products and contacting the agencies. For how Monzo stacks up overall, see Monzo vs Starling or my round-up of Revolut alternatives.
Frequently asked questions
Does a Monzo joint account affect my credit score?
Your scores stay separate, but the joint account creates a financial association. Missed payments or an unarranged overdraft on the joint account can affect both your individual scores.
Can the other person see my personal Monzo account?
No. Only the joint account is shared. Your personal account stays private.
How long does the Monzo joint account invite link last?
The invite link expires after 24 hours for security. You'll need to send a new one if it runs out.
Can I switch my joint account from another bank to Monzo?
Yes. You can switch current and joint accounts to a Monzo joint account through the Current Account Switch Service, which takes 7 working days.
Do you have to be a couple to open a Monzo joint account?
No. Married couples, siblings and flatmates can all share one, and the app shows who made each transaction.
What do I need to switch a joint account to Monzo?
The account number and sort code of the old account, the last 5 digits of your old card and the last 5 digits of your partner's old card.
How do I close a Monzo joint account?
Withdraw the whole balance, tap the Help icon, search Closing your joint account and tap Close account at the bottom of the article.
