Who can open an Under 16s account?
You need to be the child’s parent, legal guardian or primary carer to create and look after a child account. You can’t set up an account as an extended family member, younger sibling or friend.
What do I need to open an Under 16s account?
You need our current account first – if you don’t already have one, you just need some photo ID to apply. Once your current account is ready, you can open an Under 16s account. Then just answer a few questions about your child, including their date of birth and address. Make sure you give their correct date of birth – we may ask you to verify this at a later date.
Can a second family member help with the account too?
Yes – once you set up the account, you’ll be able to invite an additional family member to help with your Under 16s accounts. Family members can see the child’s spending, send money, and even freeze cards. Family members need to be closely related to the child and over the age of 18.
Can I set spending limits for my child?
Yes – head to your child’s Spending limits in your app to edit their daily spending limit. You can also use customisable controls to turn cash withdrawals and online payments on or off.
Can my child add their card to their mobile wallet, such as Apple Pay or Google Pay?
Your child can set up Apple Pay or Google Pay when they turn 13.
What happens if they lose their card?
You can freeze their card in your Monzo app, or your child can freeze it if they have the app. If it turns up (in that pocket!), you can unfreeze it the same way. If it’s lost or stolen, you can order a replacement for them for £5 in the app.
What happens when they turn 16?
Your child can use their Under 16s account until their card expires - even after their 16th birthday. We’ll cancel their card when they turn 18.
They can choose to apply for a free 16–17s account anytime after they turn 16. Or they can wait and apply for our adult current account when they're 18.
