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Joint account help/ideas needed

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Purpleheart
Purpleheart Posts: 36 Forumite
Seventh Anniversary 10 Posts Photogenic
in Budgeting & bank accounts
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. 
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  • Rob5342
    Rob5342 Posts: 2,416 Forumite
    1,000 Posts Third Anniversary Name Dropper
    What about Monzo? They have a similar sort of offering to Starling. They don't pay interest but they do have cashback offers. 
  • eskbanker
    eskbanker Posts: 36,944 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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
    Purpleheart Posts: 36 Forumite
    Seventh Anniversary 10 Posts Photogenic
    edited 4 May 2024 at 9:18AM
    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
    Rob5342 Posts: 2,416 Forumite
    1,000 Posts Third Anniversary Name Dropper
    edited 4 May 2024 at 8:34PM
    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
    Nasqueron Posts: 10,620 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    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

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • Purpleheart
    Purpleheart Posts: 36 Forumite
    Seventh Anniversary 10 Posts Photogenic
    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
    Nasqueron Posts: 10,620 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    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.

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • flaneurs_lobster
    flaneurs_lobster Posts: 6,429 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    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
    friolento Posts: 2,363 Forumite
    1,000 Posts Second Anniversary Name Dropper Photogenic
    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
    Nasqueron Posts: 10,620 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    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

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

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