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Monzo: Under 16s account reviews

View other Monzo products
4.89
Based on 946 reviews, last reviewed 20th Aug 2026
100% decrease in 5 star reviews
in the past 90 days
100% decrease in 1 star reviews
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Latest highest rating:

5

Fantastic & free! Monzo’s free under 16s account has helped my children to learn how to manage their money effectively. Two of my children have decided to stick with Mo... Read more Reviewed on: 20th August 2026
Abi Jones's avatar
Abi Jones

Latest lowest rating:

1

U16 account is a nightmare-avoid at all costs It is aboslutely the worst experience trying to set up a child account in Monzo. I cannot believe it has such a high rating. Links don't work, it is c... Read more Reviewed on: 11th April 2026
Mike's avatar
Mike
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About this product

Monzo offer a free bank account for under 16s, with controls set by their parent or guardian.

Kids get their own neon card and can see their money in the Monzo app. Parents or Guardians can keep an eye on the account, set spending limits and schedule pocket money.

Monzo under 16s account reviews help you find out what it’s like to be a customer. If you’ve used Monzo before, you can also leave a review and share your experience.

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Monzo Under 16s account reviews (946)

I love Monzo and have signed all 4 of my children up...

5
I love Monzo and have signed all 4 of my children up with their own U16s account. They give great customer service and help to teach and facilitate great money management skills Reviewed on: 15th April 2026
Gemma T's avatar
Gemma T

Monzo U16

5
Monzo make everything so easy. The Under 16 account is excellent Reviewed on: 14th April 2026
Andy C's avatar
Andy C

Love how I only have access to add money and can see...

5
Love how I only have access to add money and can see where he is spending. I love I can have restrictions where he spends and can block access Reviewed on: 14th April 2026
Marie j's avatar
Marie j

U16 account is a nightmare-avoid at all costs

1
It is aboslutely the worst experience trying to set up a child account in Monzo. I cannot believe it has such a high rating. Links don't work, it is completely unintuitive. Nor account code or sort code. The payment into the account is so hidden and very complicated. Zero support. Reviewed on: 11th April 2026
Mike's avatar
Mike

Ease of use.

5
Ease of use. Simple presentation. Reviewed on: 7th April 2026
Charles Howitt's avatar
Charles Howitt

Just love how easy it is to use and best of all it’s...

5
Just love how easy it is to use and best of all it’s free Reviewed on: 7th April 2026
Ashleigh Connor's avatar
Ashleigh Connor

Monzo is great.

5
Monzo is great. I use a current account and love the features - sending money to friends with ease, using my card abroad, having various little pots, the 1p savings challenge. I set up a current account for my kids which has been really good - love that I can see what they are spending, that they get a card, it feels safe and secure. Reviewed on: 7th April 2026
Rachel Holding's avatar
Rachel Holding

*In searching for the best under 16s account, I made...

5
*In searching for the best under 16s account, I made the transfer to Monzo both as a current account and business account due to its online modern banking facilities with many perks and savings, pensions and investment options! *The 'get pad early' facility is useful to cover unexpected bills and the transfers between accounts and payees is straight forward! *Their fraud team is exceptional with an immediate chargeback refunded within just "1 hour" pending further investigation as a courtesy to mitigate any inconvenience to myself! **Amazing banking with Monzo and would highly recommend!** Reviewed on: 7th April 2026
Sam S's avatar
Sam S

So easy and transparent

5
I love firstly how easy it was to set up my childrens' accounts, but also how transparent everything is. Monzo makes things nice and simple, cutting through the fluff and keeping information clean and simple. Kids loving using their accounts. Reviewed on: 7th April 2026
Lucas D's avatar
Lucas D

Moved my daughters account from another bank, she ha...

5
Moved my daughters account from another bank, she has good control and can save in pots and i can monitor everything and set spend limits for her Reviewed on: 7th April 2026
Julie d's avatar
Julie d

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