Multiple profiles

This really is a support issue, but despite repeated messages on in-app chat no one got back to me in days.

It used to be possible to open multiple bank connections for the same bank. Then a warning was added, allegedly to prevent people from adding the same account multiple times. Now it no longer seems to be possible at all - I’m just being upsold ultimate (for spaces) or told to go manage my connections (ie delete and replace whatever connection I have for the same bank).

I have a legitimate case though - I have multiple bank profiles for different accounts (not of my own doing!), and as a pro member (who won’t break the system :sweat_smile:) I’d very much want this option back. Pretty please?

Which financial institution allows you to open multiple accounts under the same name? :sweat_smile:

All banks allow multiple accounts under the same name.

If you rather meant which banks allow multiple profiles (or have botched IT systems that sometimes fail to link accounts under the same profile), then off the top of my head LBG (Lloyds Bank, Halifax, BoS), NWG (NatWest, RBS/Child/Drummonds, Ulster Bank), Santander, TSB.

Back to my original question, can the current block be removed?

Hi Lucian,

can you please clarify this?

You are suggesting you can create two accounts at Lloyds under the same first and last name?

Not on purpose, but definitely yes. Read on MSE or the Monzo forum, the issue of multiple profiles is mentioned pretty often.

I once created multiple TSB accounts for switching purposes and each had a separate profile even though I used exactly the same details when applying. I currently have 3 profiles with RBS and 2 with NatWest. My personal issue is I have a double barreled first name (typical for some countries) and NWG systems allow it when opening in branch but not online.

Thanks for explaining, but can’t you call the bank and merge everything under one login? I am pretty sure they can do it.

Also, these accounts were already not in Emma? You are trying to add them today?

Well, given that at the beginning of this thread you didn’t even think this was a thing, don’t be quick to take an engineers mindset and assume it’s actually an easy fix. Underestimate tech debt at your own peril :slight_smile:

Yes, and as a long time (6 years and counting) Emma user I’ve much appreciated using a cool fintech tool as a workaround for banks dinosaur practices. But as a fintech enthusiast I do tend to hit these issues more often than not - which is why I (again) appreciated the flexibility Emma gave regarding OB connections. I happily tolerated the warning that came a while back around multiple connections. But the feature going away altogether I think is a step too far. What’s wrong with just reverting back to that method?

Also if you’re concerned with users accidentally misusing this flow you could simply leave it as an option for pro users?

It creates support issues on another 100,000+ customers. :slight_smile: