Joint account help/ideas needed

Purpleheart

For various reasons I need to open a joint account, Starling fits the bill but I have had an account with them in the past and foolishly shut it down which means I can't open another one. I would appreciate any input as perhaps someone will give me an idea I haven't thought of, having looked at all the other banks I can't find anyone offering a joint account with all the bells and whistles of Starling. 

Rob5342

What about Monzo? They have a similar sort of offering to Starling. They don't pay interest but they do have cashback offers. 

eskbanker

Purpleheart said:

For various reasons I need to open a joint account, Starling fits the bill but I have had an account with them in the past and foolishly shut it down which means I can't open another one. I would appreciate any input as perhaps someone will give me an idea I haven't thought of, having looked at all the other banks I can't find anyone offering a joint account with all the bells and whistles of Starling. 

What specifically about Starling's proposition are you looking to replicate elsewhere? 

Purpleheart

I did think about Monzo but don't want to open 2 sole accounts, plus I've previously had an account with them. 

The bells and whistles I would like (in no particular order) are interest, fee free spending abroad, pots, a card that isn't navy, instant notifications on a mobile and spending habits tracking. 

I massively regret closing my original Starling account 😪

Rob5342

Starling and Monzo are the only banks that offer pots as far as I'm aware. I don't why others don't as they are incredibly useful and greatly simplify budgeting. 

Nasqueron

Purpleheart said:

For various reasons I need to open a joint account, Starling fits the bill but I have had an account with them in the past and foolishly shut it down which means I can't open another one. I would appreciate any input as perhaps someone will give me an idea I haven't thought of, having looked at all the other banks I can't find anyone offering a joint account with all the bells and whistles of Starling. 

Not sure why you believe this?

I had a Starling account purely for a switching bonus, switched it away and around 18 months later opened a Starling account fine (they still had the details) and created a joint account with my partner. If it was 3 months ago then maybe not but it seems to be 12 months, maybe a bit longer, before they let you apply again

Purpleheart

That's good to know thanks. It says in the FAQ that you can't open an account if you've previously held one but I will apply and see if I can open another. I will need to get my OH to open an account though before we can get a joint account and they don't like any banking faff! 

Nasqueron

Purpleheart said:

That's good to know thanks. It says in the FAQ that you can't open an account if you've previously held one but I will apply and see if I can open another. I will need to get my OH to open an account though before we can get a joint account and they don't like any banking faff! 

It's safer for you to try and open it first, then worry about a second account for the joint one, that was how we did it.

flaneurs_lobster

Nasqueron said:

Purpleheart said:

For various reasons I need to open a joint account, Starling fits the bill but I have had an account with them in the past and foolishly shut it down which means I can't open another one. I would appreciate any input as perhaps someone will give me an idea I haven't thought of, having looked at all the other banks I can't find anyone offering a joint account with all the bells and whistles of Starling. 

Not sure why you believe this?

I had a Starling account purely for a switching bonus, switched it away and around 18 months later opened a Starling account fine (they still had the details) and created a joint account with my partner. If it was 3 months ago then maybe not but it seems to be 12 months, maybe a bit longer, before they let you apply again

Tried to open a Starling current account this week. As @Nasqueron, I had a previous account, opened 10/22, just to switch elsewhere a month later. My online account was still active, my application was declined. 

The algorithms are mysterious. 

friolento

This has been on their FAQ for a few months now. I would call them and ask whether they can manually approve the application.

Nasqueron

I checked the dates just in case it's useful
Account was open 29/7/22, switch out was started 1/9/22 and completed 13/9/22 
Managed to log back in and start using it again in January this year so 15 months or so