Join two IQueryable

The C# / Entity Framework problem: I have object

Account 
{
   public string AccountId { get; set; }
   public string UserId { get; set; }
   public string CurrencyId { get; set; }
}

then I need to return all accounts on "user A" which have same currencyId as accounts for "user B"

This is simple SQL query, but I stuck with EF. This is what I tried

public IQueryable<Account> Test(string userA, string userB)
{
    var accountsA = GetAccounts().Where(x => x.UserId == userA);
    var accountsB = GetAccounts().Where(x => x.UserId == userB);

    return accountsA.Join(
            accountsB,
            acc1 => acc1.CurrencyId,
            acc2 => acc2.CurrencyId,
            (acc1, acc2) => acc1
        );
}

this query works but return a lot of duplicate accounts for userA.

I tried

public IQueryable<Account> Test(string userA, string userB)
{
    var accountsA = GetAccounts().Where(x => x.UserId == userA);
    var accountsB = GetAccounts().Where(x => x.UserId == userB);

    return accountsA.GroupJoin(
            accountsB,
            acc1 => acc1.CurrencyId,
            acc2 => acc2.CurrencyId,
            (acc1, acc2) => acc1
        );
}

but it crash with

System.InvalidOperationException
  HResult=0x80131509
  Message=Processing of the LINQ expression 'DbSet<Account>
    .Where(x => x.UserId == "userA").GroupJoin(
        outer: DbSet<Account>
            .Where(x => x.UserId == "userB"), 
        inner: acc1 => acc1.CurrencyId, 
        outerKeySelector: acc2 => acc2.CurrencyId, 
        innerKeySelector: (acc1, acc2) => acc1)' by 'NavigationExpandingExpressionVisitor' failed. This may indicate either a bug or a limitation in EF Core. See https://go.microsoft.com/fwlink/?linkid=2101433 for more detailed information.

how can I do DISTINCT on EF queries?

public IQueryable<Account> Test(string userA, string userB)
{
    var accountsA = GetAccounts().Where(x => x.UserId == userA);
    var accountsB = GetAccounts().Where(x => x.UserId == userB);

    return accountsA.Where(accountA => 
         accountsB.Any(accountB => accountB.CurrencyId == accountA.CurrencyId)
    );
}