Open a Monese joint account online

The easiest way to spend, share and save together. A mobile joint account available all over Europe.

View our privacy notice

Manage the money you share

Easily spend, set aside or share bills and other expenses with a housemate, partner or friend – virtually anyone who you know and trust! Make joint spending easy by adding money while keeping your personal Monese accounts separate. You can only have one joint account, so pick your person wisely!

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

One account — two Monese cards

Order a rose gold contactless Mastercard debit card each to shop, spend and use separately. Its shiny design will help you tell it apart from your personal Monese card. Use it in-store, online or at ATMs worldwide, and link it to Apple Pay or Google Pay for secure contactless payments.

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

Open a joint account online fast

Once you have a Monese personal account, it’s easy to invite someone to open a digital joint account with you. No new checks or applications – just send an invite from your Monese app. Not with Monese? You can open a personal Monese account in minutes if you live in any of the 30 countries in the European Economic Area or the UK.

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

Work towards your money goals

Control your shared money with budgeting tools and transaction alerts. Plus, with up to 10 pots for joint accounts, you can easily put money away for that dream vacation, home expenses or any other goals you have together. Automatically round up payments and send spare money to your pot.

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

Make payments fast and easy

Send and receive local and international transfers from your joint account through the Monese app. Need to top up? Move money between your Monese accounts instantly.

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

Stay safe together

Get instant notifications when there’s activity on your mobile joint account, making it easier to keep an eye on your transactions together. Login securely using Face ID, Touch ID or Fingerprint Scanner. Lock and unlock your cards in the app to keep your shared money safe.

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

Joint account FAQs

Find answers to common questions about our mobile joint account below. You can check our other FAQs for more information about using Monese or speak to our multilingual Support team.

What is a joint account?

A joint account is just like a personal money account except you share it with someone else. This means both account holders can add to, see and spend the money that’s held in it. Opening a joint account can be an easy and transparent way to manage your shared finances and responsibilities.

Both account holders will usually get their own card to use separately, like our rose gold Mastercard debit card. You can add all your money to a joint account or put in just enough for bills, food or shared goals while keeping some money separate in a personal account.

What can I do with a joint account?

Joint accounts usually allow you to do most of the same things that personal accounts do. The main difference is that you can do them together while seeing both account holders’ activities in one place. With our mobile joint account, you can:

  • make and receive payments including Direct Debits
  • send and receive local and international transfers
  • get account details to share with others, including employers
  • view your balance and see transactions in your Monese app
  • put money aside in up to 10 pots
  • use a physical contactless card online, in-store or at ATMs
How is Monese’s digital joint account different from a joint bank account?

We’re not a bank, so we don’t technically offer joint bank accounts. We’re an electronic money institution (EMI) and offer joint mobile money accounts that you can use in many of the same ways. Key differences between our accounts and traditional bank accounts include:

  • We don’t have physical branches, but we do have a multilingual Support team and offer lots of easy ways to add and withdraw money
  • You won’t have an overdraft, so you can’t spend more money than you add
  • Your money is protected by the EU Electronic Money Directive and UK Electronic Money Regulations 2011 and not the Financial Services Compensation Scheme (FSCS)

We also don’t ask for documents to prove your address, credit history or income to open an account. It’s a key reason why many foreign nationals and others who struggle to access traditional banking services choose our app-based joint bank account alternative instead.

Who can open a joint account?

Joint accounts make sense for couples who live together and share regular expenses like mortgage payments, utility bills and food shopping. Or you might want to share responsibility for bills with housemates or pool money together with friends or family members.

In short, it’s up to you! You can open a Monese mobile joint account with anyone if you both already have either a GBP or EUR personal account with us. What’s important is that they’re someone you know and trust.

You can open one joint account based on your country of residence. Customers in the UK can’t open a joint account with EEA-based customers and vice versa. Find out more about who can open a Monese joint account.

What are the advantages of opening a joint account?

Joint accounts can make life easier in lots of ways including:

  • You can share responsibility for necessary expenses like mortgage or rent, bills and food
  • You can put money away for shared goals like new furniture or a week in the sun on holiday
  • You can share all your money including your salary or just add as much as you need
  • You can build up more money together than you might have on your own
  • You can track joint spending and reduce arguments about who owes what
  • You might make better decisions with any spare money
What are the risks of opening a joint account?

Opening a joint account is a big commitment, so it’s wise to consider the risks too before signing up.

  • You’ll both have equal access to the money in the account, even if one person adds more than the other
  • You’ll both be responsible for any missed payments
  • You could get into disagreements if you have different attitudes towards spending money
  • One person could withdraw all your shared money
How to open a joint account with Monese

It’s fast and easy to open a joint account online with Monese. You don’t even have to be in the same place as the other person! All you both need is a personal Monese account in GBP or EUR, which you can also open quickly with no credit checks.

After that, opening a joint account takes 4 simple steps:

  • Open your Monese app, tap the ‘Account’ button on the top left-hand side of the home screen’
  • Select ‘Add account’ and choose the ‘Joint account’ option
  • Pick a Monese contact or invite a new person who you want to open a mobile joint account with
  • Answer a few short questions and tap ‘Submit’

We’ll then keep you updated about your application right through the app.