Challenger ##s also has developed joint accounts that can be opened by personal account holders , and is looking to add matching pots to the new offering . Customers can switch between personal and joint accounts in - app , and will receive separate cards of a different design for their joint account . Monzo has added more information to the sign - up process about the potential for a financial transaction between two users to affect credit scores after joint account testers stressed lack of clarity . During that period, testers flagged that it wasn’t easy enough to switch between personal and joint accounts, which Monzo has now fixed. Meanwhile , rival fintech Starling launched its joint accounts in June , using Google Nearby technology to facilitate applications .
Challenger ##s also has developed joint accounts that can be opened by personal account holders , and is looking to add matching pots to the new offering . Customers can switch between personal and joint accounts in - app , and will receive separate cards of a different design for their joint account . Monzo has added more information to the sign - up process about the potential for a financial transaction between two users to affect credit scores after joint account testers stressed lack of clarity . Meanwhile , rival fintech Starling launched its joint accounts in June , using Google Nearby technology to facilitate applications .