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Monzo: Under 16s account reviews

Name: Under 16s account
Rating: 4.96 (536 reviews)

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4.96

Based on 536 reviews, last reviewed 23rd Feb 2026

12500% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

2 star

Latest highest rating:

5

Best value for children and teens with great transpa... Best value for children and teens with great transparency and saving tools. Reviewed on: 23rd February 2026

Latest lowest rating:

1

Monzo under 16s is very restrictive and controlling... Monzo under 16s is very restrictive and controlling I can’t transfer money to people or receive from friends I think Monzo should have a 6-11 year old... Read more Reviewed on: 4th May 2025

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About this product

A free account for kids that keeps up as they grow up.

Awards

What is this award?

Best children's financial provider 2025

Awarded to the children's savings or bank account provider rated highest in customer reviews.

Monzo Under 16s account reviews (536)

Review of the Monzo, Under 16s account:

Best bank I’ve been with, unlike the big banks when...

Best bank I’ve been with, unlike the big banks when I needed money they lent it to me and I could pay them back early Reviewed on: 13th March 2025

Couldn’t ask for more, can keep tabs on my children’...

Couldn’t ask for more, can keep tabs on my children’s spending. And it’s free and easy to use Reviewed on: 9th February 2026

Great that the kids have their own cards and I can c...

Great that the kids have their own cards and I can control their finances. Moving money between accounts is easy and saving is encouraged. Reviewed on: 9th February 2026

Monzo under 16s account

Both my children have the under 16s account - it has been great to allow them independence with their mine but with lots of easy to apply guardrails from the parents app Reviewed on: 9th February 2026

Seamless process

It's a seamless process from depositing money to being alerted when money is sent. My daughter loves the freedom she has with her own bank account Reviewed on: 9th February 2026

My 14 year old daughter finds the Monzo app really e...

My 14 year old daughter finds the Monzo app really easy to use and its has made her aware of money and savings. I can easily transfer money to her and monitor her spending. Really good product. Reviewed on: 9th February 2026

Amazing experience with Monzo.

Amazing experience with Monzo. The Under 16s account is a game changer. It's intuitive for my child and myself. Reviewed on: 6th February 2026

Really good best under 16 account

Really good Nice background Colour of the cards, sounds in the app, pots, emojis Reviewed on: 9th May 2025

Monzo under 16s is very restrictive and controlling...

Monzo under 16s is very restrictive and controlling I can’t transfer money to people or receive from friends I think Monzo should have a 6-11 year old account which is restrictive and a 11-16 account where its exactly like an over 16 account with less limitations and they can do what a normal Monzo account can please do this Monzo Reviewed on: 4th May 2025

Quick to set up, easy to use, no fees. Perfect!

Set up my childrens account in about 10 minutes. Cards arrived in under 48 hours. No fee and we can all see there balances and manage their accounts. A great way to teach financial management whilst keeping some oversight! Reviewed on: 20th April 2025

Easy to use, always reliable

Easy to use, always able to chat to someone if needed. Sorts problems out fast with no fussing Reviewed on: 19th April 2025

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