Best App for spend analysis - Monzo or Starling?

Abbafan1972

sxgirl said:

Had a look at the apps but in the end plumped for a joint Monzo. We do have a retirement planning spreadsheet and will record high level spend on there, including our personal accounts and pension funds, but the monzo breakdown will considerably speed up the data entry and possibility for typos! Will keep the joint Santander for DDs which are predictable and give cash back. 

Monzo spend categories don’t all match ours but we plan to adapt (if we can’t rename them) eg Personal care will be for wine, Charities will be for Pubs lol. (Charity donations will continue to come out of our personal accounts.) 
Opening the Monzo accounts was very straightforward and debit cards arrived within 24 hours (today). 

Hoping that after a year or so of ‘normal’ retirement living, whenever that is able to start, we will be reassured enough not to need to monitor quite so closely. 

Thanks again for all the advice.

Was getting a joint account with Monzo easy?  I already have a personal account with them, but need to set up both our salaries and dd's to go out of a new joint account.

My understanding is that my OH will have to open a monzo account as well and we link them together?  Is that right?

DebtHurricane

Abbafan1972 said:

sxgirl said:

Had a look at the apps but in the end plumped for a joint Monzo. We do have a retirement planning spreadsheet and will record high level spend on there, including our personal accounts and pension funds, but the monzo breakdown will considerably speed up the data entry and possibility for typos! Will keep the joint Santander for DDs which are predictable and give cash back. 

Monzo spend categories don’t all match ours but we plan to adapt (if we can’t rename them) eg Personal care will be for wine, Charities will be for Pubs lol. (Charity donations will continue to come out of our personal accounts.) 
Opening the Monzo accounts was very straightforward and debit cards arrived within 24 hours (today). 

Hoping that after a year or so of ‘normal’ retirement living, whenever that is able to start, we will be reassured enough not to need to monitor quite so closely. 

Thanks again for all the advice.

Was getting a joint account with Monzo easy?  I already have a personal account with them, but need to set up both our salaries and dd's to go out of a new joint account.

My understanding is that my OH will have to open a monzo account as well and we link them together?  Is that right?

Yeah, you both have to have a Monzo personal account. Then you can click on get a joint account and it’s created within 5 mins. Really simple. Card takes 1-2 days to come from then