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Monzo: Under 16s account reviews

Name: Under 16s account
Rating: 4.96 (498 reviews)

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4.96

Based on 498 reviews, last reviewed 12th Feb 2026

8700% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

97%

2 star

Latest highest rating:

5

Easy to use for under 16’s, saving pots encourage s... Easy to use for under 16’s, saving pots encourage saving Reviewed on: 12th 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 (498)

Review of the Monzo, Under 16s account:

Best of the best

I have 3 under 16 accounts with 3 different cards. The kids love them. Easy to send and make payments. Connected to both mine & my husband to control and gifting links for the family. Reviewed on: 27th March 2025

U16 account

I received an email regarding the U16 account and while I was interested in getting one for my kids, I expected it to be a pain to open with fees that didn't make it worthwhile. I was very wrong. Took a few clicks and my boys received their cards in a few days. Outstanding and at 7 and 10, they'll remember Monzo forever as their first "account". Excellent way to teach kids about money from an early age and with the app they can access, it gives them all they could need and allows me to set controls for them too. Reviewed on: 20th March 2025

It's give a quick service and solve dispute very fas...

It's give a quick service and solve dispute very fast instead if traditional banks. Reviewed on: 19th March 2025

Just a great app everything’s easy and quick and mos...

Just a great app everything’s easy and quick and mostly instant Reviewed on: 18th March 2025

I love my monzo, so easy to navigate

I love my monzo, so easy to navigate Reviewed on: 18th March 2025

excellent , good , very friendly , honest

excellent , very friendly , honest Reviewed on: 18th March 2025

The free under 16 account is brilliant.

The free under 16 account is brilliant. My two boys aged 10 and 13 use thier own accounts to save money My older boy was skipping school dinners .He is now using his monzo card to buy lunch every day .He had a slight eating disorder due to his medication.He is now on the way to eating properly . Both boys no use separate pots to split any spending money and save for holidays and anything else they want to buy . Great product and thanks for allowing us to be beta users.This product allows us to restrict max payments and online use as well .We can move money around for them and pay directly into their saving pots .Although we now allow the boys to choose where they put their money. Great start and introduction to banking and saving Only downside is no interest on their savings . Apart from that a brilliant service and account Thanks again Reviewed on: 18th March 2025

absolutely love the design and experience of the und...

absolutely love the design and experience of the under 16s cards for my daughters Reviewed on: 18th March 2025

Hands down the best bank.

The best bank, from the current account, flex card, children's accounts, everything is about usability and the customer experience. Top notch customer support as well. Hands down the best bank. Reviewed on: 18th March 2025

good products to help children learn financial educa...

good products to help children learn financial education adn form good habits for adulthood Reviewed on: 18th March 2025

Amazing bank.

Monzo is a great bank to use it even tells you how many transactions you have made in a certain shop and how much you spent in that shop in total etc it's great for keeping track of spendings too Reviewed on: 18th March 2025

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