"Family" account to manage DD going off to college

[GinForBreakfast]

DD is going away to college (she's 16, we live rurally and her ideal college is far enough away to merit term-time accommodation there). I want a joint account that me, DH and DD can all put money into / take money out of and can all see/manage through an app. The reason is that I want DD to understand how much she is costing us, and for me and DH to be able to budget for DD's costs separate from the rest of our joint expenses. It will help us prepare should she choose to go to university.

How do I do this? Joint accounts are for two people only, or for over 18s only. I thought that Starling would work by using their "spaces" but I've just been rejected for a joint account with them 😠despite having a perfect credit score.

Any families with similar situations and snazzy solutions please let me know. Thank you!

At 16 she should get an evening job and pay for her stuff herself. That's better than showing her how much she's costing you

May not be practical if boarding at a college. Would be hard at DD's college.

I think you're expecting lots from a 16 year old to have everything in one account. She needs to have fun money separate from costs like travel & meals. Many adults can't financially plan well enough to have everything together - you've already said you and DH don't know what you spend on her because money comes out of 3 different accounts. She really should have some degree of privacy over some money. I would definitely start with a weekly allowance in an account in her name plus an account for meals/travel/other costs etc which you all have visibility of.