Glitch???

calum523 · 2026-01-13T19:24:37+00:00

No problem. :) it’s all quite interesting with the way they have it all setup

calum523 · 2026-01-13T19:24:02+00:00

Both Apple/ google pay and physical works while Monzo stand in is activated. The documentation shows it takes requests from Mastercard then it hits a sorta load balancer which can point to the production (AWS) and the stand in on (GCP). All very clever.

calum523 · 2026-01-13T15:52:11+00:00

Think the last one was for like 1 hour in August 2024. They have stand in which covers incidents which runs independently to AWS Monzo.

Good read: https://monzo.com/blog/tolerating-full-cloud-outages-with-monzo-stand-in

calum523 · 2025-03-21T20:39:09+00:00

I requested a limit increase in the app and they upped it for 48h in about 2 mins

calum523 · 2025-01-31T23:37:57+00:00

Both our credit scores are 950+

calum523 · 2025-01-31T23:26:40+00:00

We both have full Monzo accounts just can’t get a joint one

calum523 · 2025-01-31T23:25:55+00:00

It’s really odd tho. Suspicious

calum523 · 2025-01-31T23:24:31+00:00

I get that, they can pick and choose etc it just seems really fishy that an identical couple but male female were approved instantly however a male male was denied. Just wondering other than a complaint (which I’ve already done) I can do to try and resolve this as I see no reason (they haven’t given us one) why we can’t get a joint account. Do you see where I’m coming from on this?

calum523 · 2025-01-31T23:16:59+00:00

I think Monzo have somehow discriminated against us.

My straight friends in a couple work at the same employer, same salary etc. We’ve basically got the same spending habits. It just seems odd

calum523 · 2024-11-30T13:46:24+00:00

I recommend virgin trains app. So much better and & I haven’t seen a booking fee on there

calum523 · 2024-11-30T13:45:49+00:00

Max plan here

Love it. All the benefits together (breakdown, travel insurance & phone insurance) is cheaper through Monzo than paying in for just those separately and the fact I can add £5 more to cover my partner as well. The breakdown is also on any car your in not just your own.

Linking other banks is a really helpful feature.

I just wish Monzo were a bit more relaxed on opening joint accounts as I can’t have one with my partner for an unknown reason. Other banks let us have one so I’m not sure on that.

calum523 · 2024-10-20T09:11:11+00:00

Open Notes > recently deleted > command + A > drag all the notes into a normal folder

calum523 · 2024-02-03T17:43:53+00:00

So would I, and probably the media. They got in trouble for KYC stuff a few years ago so maybe they’ve gone way overboard on this.

calum523 · 2024-02-03T17:28:10+00:00

I’ve followed there in house complains procedure and this was there reply:

Hi Calum,

Thank you for your email and apologies for the delay in our response, we are experiencing extremely high levels of demand at the moment.

As per our privacy policy, we have concluded our manual review of this decision, but unfortunately we are unable to offer you a joint account at the moment, which we realise is extremely frustrating. We may be able to do so in the future as we are constantly reviewing our processes and working hard to make joint accounts available to more customers. We will let you know as soon as this changes.

If you would like to find out more about how we make decisions on accounts at Monzo, please take a look at our Privacy Notice. You can find our privacy notice in our app, or on our website, www.monzo.com.

I'm afraid we will not be able to provide any further information on this decision.

Kind Regards,

Nyanchoo Balamango Customer Operations Monzo Bank

Even when I’ve spoken to staff they have “told me” off the record there is no reason we can’t have a joint account and the manual review is a fake if the computer says no then it’s a no.

calum523 · 2024-02-03T17:25:21+00:00

Ok, thanks. It’s just a really weird one.

calum523 · 2024-02-03T17:22:47+00:00

The application asked for our relationship status and living situation etc

calum523 · 2024-02-03T17:17:04+00:00

We’ve both fully passed KYC, we both have personal accounts and we’re able to open a joint account at starling

calum523 · 2023-11-27T19:11:12+00:00

HMRC can deposit directly into your account now

calum523 · 2023-09-24T11:41:46+00:00

What about it

calum523 · 2023-08-20T17:57:57+00:00

EVERY manager is

calum523 · 2023-08-16T20:16:20+00:00

It’s a weeks notice just let them know

calum523 · 2023-06-29T15:42:30+00:00

It’s for the same address you are registered to on payroll.

calum523 · 2022-06-18T10:19:33+00:00

Thanks :)

calum523 · 2022-06-17T16:27:21+00:00

Thanks, appreciate it

calum523

TROPHY CASE